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.

Walmart and Amazon are reportedly exploring their own corporate stablecoins as a customer payment option, which could potentially reduce the billions of dollars the retailers pay in credit transaction fees.

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.