I've been doing a bit of research on using crypto for hosting payments and I keep going back and forth on which coin makes the most practical sense for recurring monthly payments. BTC has the name recognition but the transaction fees can be unpredictable and confirmation times feel overkill for a straightforward payment. ETH has similar fee issues during busy periods. Litecoin seems underused but actually makes a lot of sense for smaller regular payments. And stablecoins like USDC would solve the volatility problem entirely but require keeping funds pegged to a dollar value which defeats some of the purpose of holding crypto in the first place. Has anyone settled on a specific coin for this use case and found it actually works smoothly over time with no surprises?