Why Digital Dollars Need One Unified Protocol

For mid-July, PayPal launch their own stablecoin, PayPal USD (PYUSD), for Arbitrum and other layer-two blockchains. This move show progress for digital dollars on-chain but still show big wahala: no global interoperability, fragmented liquidity, and regulatory compliance palava. Traditional platforms like PayPal dey keep balance centrally, dey charge fees, and fit freeze accounts. But stablecoins like BitUSD, DAI, USDT, and USDC provide on-chain programmability and user-controlled wallets but dem get scaling limits for Ethereum, Tron, and other base layers. Layer-two solutions and rollups try bridge these gaps but dem dey often break liquidity and bring security risks. The article talk say make we get one unified monetary protocol: single scalable ledger wey go support compliance-friendly stablecoins, token issuance, and instant atomic swaps with small fees. This kind protocol fit join liquidity, reduce cost, and make everything transparent. As regulations tight and banks enter stablecoin issuance, shared protocol fit become important to make true interoperable and scalable digital dollars happen.