Ron Shultz, who oversees ACI Worldwide's bill payment division, has expressed skepticism regarding the use of stablecoins for bill payments. According to NS3.AI, Shultz challenged proponents of the stablecoin bill-pay concept to identify ten individuals interested in utilizing stablecoins for such transactions. In contrast, Louis Amira, co-founder of Circuit & Chisel, noted a shift in demand, reporting the creation of hundreds of thousands of accounts and tens of thousands of daily users engaging with ATXP products.