A move to launch crypto-based payments by Walmart or Amazon that bypasses the traditional payments system would send shivers through the nation’s banks and card-network giants.

With the aim of offering greater convenience to customers and reducing the billions of dollars paid in credit card transaction fees, Walmart and Amazon are exploring the

Amazon’s efforts to develop a stablecoin are still in the “early stages,” according to the Journal, and there are a lot of questions to sort out. There have reportedly been discussions to use outside stablecoins to settle transactions, but there’s also the possibility the online giant could develop its own.