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【Under Currents: Stablecoins Surge 12-fold Over Five Years, Quietly Dissecting Traditional Financial Hegemony】
The global financial system is undergoing a silent revolution—seemingly mild stablecoins have become an invisible blade tearing apart the old order. A set of data reveals the turbulent waves:
**1. Collapse of the Cross-Border Payment Empire**
In 2024, stablecoin settlement volume reached $35 trillion, three times that of the SWIFT system. Small merchants in Africa use USDT to purchase Yiwu goods, with funds arriving in 8 seconds instead of 3 days, and transaction fees dropping from 12% to 0.1%. Western Union is forced to close offline outlets in 23 countries.
**2. Traditional Finance Faces Dimensionality Reduction Attack**
JPMorgan's latest research report shows:
- 30% of corporate cross-border cash pools have switched to USDC (up 27 times since 2020)
- 23% of U.S. Treasury holders purchase through stablecoin channels (bypassing the $100,000 investment threshold)
- Visa's net profit plummeted by 18% in the second quarter, with the CEO admitting, "Stablecoins are eating our lunch"
**3. New Frontier of Regulatory Arbitrage**
During the collapse of the Argentine peso, weekly trading volume of USDT surged by 470%, with President Milei forced to acknowledge, "USDT has become the second legal tender"; Russia settles 87% of its energy exports in USDT, successfully circumventing SWIFT sanctions.
This revolution has entered deep waters: In 2024, PayPal will issue gold-backed stablecoins, China's digital renminbi cross-border payment system is urgently expanding, and the Federal Reserve is testing the "FedNow + Stablecoin" hybrid system overnight. As 78% of Generation Z choose to receive their salaries in stablecoins, the countdown to the demise of bank counters has begun.
