$15.1B in Solana stablecoin float gives Toss a live payments substrate, not a lab chain with zero liquidity. Visa already tested USDC settlement on Solana with Worldpay and Nuvei; the bank-grade question now is whether Toss can hide keys, FX, compliance, and chargeback-style support well enough that its 15M users just see cheaper cross-border transfers. If the PoC works, Korean fintech banks get a credible stablecoin remittance path before local won-stablecoin rules fully harden.

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