For all the hype around stablecoins, they’re a long way from becoming a viable everyday payment tool, according to Mastercard Inc.’s chief product officer, Jorn Lambert. “While the technology powering stablecoins holds tremendous promise — high speed, 24/7 availability, low costs, programmability, immutability — those attributes alone do not suffice to turn stablecoin into a payment tool,” Lambert said Monday on a call with analysts. “Just as important, or even more so, are other attributes like a seamless and predictable user experience, reach and wide distribution to consumers.”