Well Circle isnt a publicly traded company so the responsibility it has is more derived from what it is contracted as opposed to securities law. Since it was, presumably, VC funded, there are obligations spelled out between the parties.
Yes HBD traveling from wallet to wallet is vital. Whether it is at the base layer or layer 2 through derivatives, we need to see it moving. That is why erecting a financial system is one of the keys going forward. This will promote the use case to an extreme level.
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