Smart contract payment infrastructure for freight. Token, stablecoin, or no crypto at all? Honest opinions wanted

Posted in r/investors recently and got some great feedback. Figured this community might have useful perspective on the technical side.

I built an AI freight marketplace. 13 years in trucking, ran a brokerage, sold it, built this. First 30 days: $109,951 MRR, 572 paid carriers, 4,200 loads, zero fraud, 91% retention.

We are building smart contract infrastructure for automated freight payment. Carrier delivers, GPS confirms, clean POD uploaded, payment releases automatically. No manual intervention.

Three paths we are weighing:

1. Native FLOW token for settlement and carrier reputation staking
2. USDC stablecoin rails, same smart contract logic, no native token
3. No crypto at all. Conditional release built on traditional ACH and bank rails

Honest feedback so far has pointed toward Option 2 or 3. The token adds investor friction without changing the core value of the automation.

Has anyone built conditional escrow and automated payment release in a B2B context? What did you learn? Is there a compelling case for a native token here that goes beyond the obvious tokenomics arguments?

Not looking for hype. Looking for people who have actually built something in this space.