The growing diversification of stablecoin code and token standards is leading to liquidity fragmentation and user experience issues in the cryptocurrency ecosystem. Onchain analyst ZachXBT points out that limitations in cross-chain bridges, gas fees in native blockchain tokens, and inconsistent token support across exchanges complicate stablecoin transfers. Users often face hurdles such as unsupported tokens in wallets and the need to bridge assets across blockchains, incurring additional fees and delays. Mert Mumtaz, CEO of Helius, suggests that future crypto exchanges will simplify these processes by abstracting stablecoin code, allowing users to see only the underlying fiat currency. This would enable exchanges to manage cross-chain conversions and transfers seamlessly. Tether co-founder Reeve Collins adds that AI agents and autonomous bots could further ease technical complexities by managing wallets and facilitating stablecoin transactions across various issuers and networks.