Senator Cynthia Lummis is making the case that stablecoins can cut the cost of moving money, and she is using the argument to sharpen her fight with Senator Elizabeth Warren over how Washington should police digital assets.

In a post on X on Tuesday, the Wyoming Republican said traditional payroll processing averages five days, while stablecoin rails would let employers pay workers almost immediately. “For most Americans living paycheck-to-paycheck, getting paid 5 days earlier is a big deal,” she wrote.

Lummis also took aim at remittance pricing, saying large banks charge close to 15% to send $200 abroad and that the transfer can stretch over days or weeks. Digital assets, she argued, strip out many of those fees and settle around the…