Nothing. Send USDC to Circle, Coinbase, or any centralized exchange for a fraction of a penny. Swap to USD for free. ACH transfer to bank for free.
Let's be honest, if it was cheaper and faster, it would be the standard, right?
Additionally, if you're building a legitimate business on chain, then all your cash is already on chain.
Except that the US regulatory system hates crypto for some reason. SEC has repeatedly denied requests from coinbase for regulation. Like wtf?