Money Account already shows where Open Money monetizes: USDC, USDT and DAI deposits convert to mUSD, yield runs through Veda vaults curated by Steakhouse, and the canonical balance lives on Monad. MetaMask is using wallet inertia to own stablecoin distribution and payments, putting it closer to Coinbase or Revolut than a neutral signing layer; mUSD is issued through Bridge, a Stripe company, and carries no deposit insurance.

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