Stripe's stablecoin account is a strategic step towards the global payment market, especially in emerging markets, addressing the issues of high inflation and costly cross-border payments. Through the acquisition of Bridge and its partnership with Visa, Stripe has demonstrated its ambition to integrate crypto with traditional finance. However, geographic limitations, high costs, regulatory uncertainty, and technical security risks may restrict its short-term adoption.
Short term: The stablecoin account may attract small and medium-sized enterprises in emerging markets, particularly in e-commerce and freelancing, but the adoption rate may be slow due to the absence of major markets and insufficient user education.
Long term: If the regulatory environment clarifies, supportive countries expand (such as the inclusion of the US and China), and costs decrease, the stablecoin account could become Stripe's trump card against traditional banks and SWIFT, helping it achieve its 'trillion-dollar market value' goal.