Have you ever imagined a world where AI can not only create content, participate in decision-making, but also 'spend' and 'make money'? As artificial intelligence gradually evolves into a real participant in economic activities, traditional bank accounts and payment systems can no longer meet their needs. And the monetary interface of this emerging system is quietly falling into the hands of stablecoins.


From Tether to Stripe, from Meta to Visa, stablecoins are moving from a medium of exchange to the status of an operating system—not just a 'payment tool,' but the underlying connective language of AI economies, new platform economies, and cross-border digital services. This evolution is not only reshaping the crypto market, but is also reconstructing the operational logic of global finance.



1. The integration of AI and stablecoins: Who will be the currency foundation of the future economy?


Stripe and Tether, positioned at two ends, yet converging on the same path. One is a traditional payment giant, embedding stablecoins as compliance tools into its existing payment infrastructure, launching USDC settlements and integrating AI risk control models; the other is building a fully AI Agent-driven crypto economic network—Tether's newly launched QVAC platform, which realizes an intelligent system without a central server through peer-to-peer networks and local AI deployment, even allowing AI to directly make payments between USDT and Bitcoin.


This payment method naturally adapts to AI's rhythm: **high-frequency, real-time, frictionless, no permission needed.** Humans rely on bank counters and credit systems, while AI only needs callable program interfaces, and stablecoins happen to become programmable monetary tools that can be embedded in this type of 'machine economy.'


If you want to judge which emerging protocols or platforms are evolving in this direction, you might as well use Mlion.ai's ecological map and AI project research report features to track the capital flows and technological integration paths behind these infrastructures, capturing long-term trend opportunities in advance.



2. From edge to center: The true 'monetization' path of stablecoins


The evolution of stablecoins is no longer just a technical facade of 'on-chain dollars,' but a mechanism for releasing economic energy beyond sovereign currencies.


  • Meta lays out an internal circular loop: starting with Instagram, exploring the use of stablecoins to build a self-sustaining creator economy system, allowing rewards, promotions, and advertising expenses to circulate within the platform, reducing reliance on fiat currency withdrawals.


  • Visa and Mastercard open up withdrawal channels: not forcing users to transfer back to bank accounts, but allowing funds to pay for real-world coffee, flight tickets, and advertising services through stablecoin debit cards on-chain.


  • RedotPay lands in South Korea, MoonPay partners with Mastercard to cover 150 million merchants, and Crypto.com integrates with Dubai's government payment system—these real use cases signify that stablecoins are no longer a 'future imagination,' but a payment tool landing around you and me.



But the important thing is not the 'payment capability,' but the shift in the position of the financial system. When on-chain capital flows begin to connect with the real economy, those who control stablecoins will have control over the cross-domain flow of value.




✅ Market performance: Stablecoins have reached $242.5 billion, with USDT accounting for 62.4% and USDC's market cap exceeding $60 billion.

  • The three fastest-growing currencies recently: USDO (+30.6%), USDD (+13.6%), DAI (+8.56%)


  • Mainstream deployment chains: Ethereum (122.5 billion), Tron (74.2 billion), Solana (11.9 billion)


  • Rapidly expanding networks: Hyperliquid, Sei, Unichain all use USDC as the main circulating medium.



    ✅ Institutions are racing to layout

  • Anchorage acquires Mountain, marking the fusion model of offshore innovation and compliant banking systems;


  • Coinbase intensifies USDC applications, acquires Deribit to lay out derivative payment infrastructure, and invests in Canadian stablecoin issuer Stablecorp to enter the QCAD market;


  • VanEck launches multi-chain tokenized treasury fund $VBILL, initiating a stablecoin + US Treasury + smart contract combination model.



These actions are not just market expansions; they mean that stablecoins are no longer just trading tools, but an integral part of asset allocation logic, and may even dominate the future digital financial architecture.



4. Stablecoin + AI: The explosive point you might have overlooked is forming


Don't forget, Tether is not just about USDT, it is now also building the decentralized AI platform QVAC, which means:


  • AI models completely detached from the cloud, running locally on user devices


  • Data privacy controlled by users, avoiding data abuse by large platforms


  • Support for AI Agent automated payments and settlements



You can imagine a scenario: AI helps you write reports, launch advertisements, generate trading strategies on your device, while automatically paying USDT on-chain to obtain computing power, data, or services, no longer relying on your bank account.


This change is the core of the next phase of 'practicalization of the crypto economy.'


Mlion.ai has also begun to focus on early projects in the intersection of AI x Stablecoin, with its intelligent charts and AI token analysis capabilities helping you identify structural opportunity points in the market.



5. Regulation and policy: Stablecoins move from grey areas to regulated assets


The regulatory perspective is undergoing a significant shift:


  • The U.S. (GENIUS Act) (STABLE Act) opens a dual-track regulatory framework for federal and state levels;


  • Wyoming will launch the first state-level stablecoin in the U.S. in July;


  • Financial giants like Deutsche Bank, Citibank, PayPal, MoneyGram, etc., are beginning to incorporate stablecoins into formal financial services;


  • Platforms like Coinbase are promoting the policy classification of 'stablecoins do not equal securities.'



The essence of this change is: stablecoins are no longer 'outliers,' but are entering the mainstream 'whitelist' of the financial system.


This will further bring together funds and liquidity, making the use of stablecoins not just for payments, but also becoming a new financial network standard beyond sovereign currencies.



Conclusion: Stablecoins are no longer a niche tool in the crypto circle, but are becoming the core connective layer of the global digital economy.


Stripe and Tether are distributed at the two ends of compliance and decentralization, yet are both answering the same question:



In a future dominated by AI and platform economy, who will handle payments? Who will manage funds? Who will define currency?



Stablecoins may be the ultimate answer to this question.


With the help of Mlion.ai's intelligent charts, currency forecasts, ecological maps, and on-chain analysis capabilities, you can not only grasp the path of this trend but also seize opportunities in this transformative cycle. After all, the era of truly making money has never been about waiting for patches in the old system, but about laying out in the new order in advance.

#稳定币

Disclaimer: The above content is for informational sharing only and does not constitute any investment advice! Investment involves risks, and caution is needed when entering the market!