Are you still thinking that 'stablecoins' are just a little toy for crypto enthusiasts? Then you might have missed the beginning of the next wave of the financial internet.


Imagine this scenario:

Without a bank account, you can still send and receive dollars; without international exchange costs, funds can still flow globally; without third-party intermediaries, smart contracts automatically complete clearing and settlement. This vision, once just a fantasy for blockchain enthusiasts, is now becoming the next battleground that tech giants are scrambling for.


Just recently after Q1 2024, the crypto research institution Bitwise released a significant piece of data: **Stablecoins processed a total transaction volume of $27.6 trillion throughout the year,** surpassing not only Visa but also crushing Mastercard. You read that right—the 'digital dollar' on blockchain is rewriting the global financial order, and you may not have realized it yet.



Stripe & Meta: The 'Twin Stars' in the Stablecoin Battlefield


In the past month, two major internet giants—Stripe and Meta—have both significantly increased their investments in stablecoins almost simultaneously. This is not a coincidence; it feels more like a signal.


1. Stripe Creates a 'Bankless' Dollar Wallet

Stripe has quietly launched stablecoin financial accounts based on USDC and USDB in over 100 countries worldwide. What does this mean? Enterprise users can send, receive, and hold dollars globally without going through traditional banking systems, backed by the custody system provided by Bridge and BlackRock's 1:1 dollar reserves. This not only bypasses the cumbersome processes of the traditional financial system but also offers near-zero cost settlement efficiency.


This is actually what many people envision as 'Banking 2.0'. No ACH delays, no currency exchange losses, and no reliance on local financial infrastructure. Stripe has achieved this and quietly completed the deployment.


2. Meta Revives the Dream of Stablecoins: WhatsApp May Become the Largest Payment Gateway

The Diem project, which was 'humiliated' and delisted by the US Congress three years ago, is now making a comeback in a more robust way. Meta is currently negotiating stablecoin integration with several crypto companies, focusing on WhatsApp's payment system.


The logic behind this is also very simple: **WhatsApp currently has over 2 billion users, and once the stablecoin payment feature goes live, it will become the largest blockchain payment platform ever.** You might not be ready, but the user base for stablecoins will directly leap in scale.



Technical Infrastructure: The Gold Rush for Developers with Bridge and USDB


Not only are end users using stablecoins, but the developer community is also quietly switching camps. The USDB stablecoin launched by Bridge is gradually becoming the preferred choice among developers.


Unlike the traditional issuer's mechanism of 'eating alone', Bridge returns part of the reserve profits to developers and users. Developers who integrate USDB through the API can earn stable returns, and it also supports free conversion of USDC and global mint-and-redeem options, with core assets managed by BlackRock's custody of government bonds, ensuring both security and compliance.


Under this mechanism, Bridge has almost redefined the use of the 'dollar', transforming it into a programmable, open-source global financial tool.



Regulatory Turning Point: (GENIUS Act) Still Alive Despite Defeat


Some may wonder if this is still 'a wild path'? Is the compliance risk still there? In fact, the US is accelerating its legislative pace. Although the recent (GENIUS Act) faced unexpected obstacles in the Senate vote (48 to 51 against), this was not due to opposition to its content, but rather procedural issues causing delays.


It is worth noting that the essence of this bill is to establish federal-level compliance standards, capital adequacy requirements, and anti-money laundering regulations for stablecoins, without restricting their growth potential.


Crypto-friendly lawmakers have stated they will quickly amend and resubmit the bill, possibly returning to the agenda as early as this week. This means that stablecoins will take the most crucial step toward compliance—legally integrating into the US financial system instead of being pushed into 'overseas shadow areas.'



The 'Light Speed Leap' of Stablecoins: From Crypto Use Cases to Mainstream Infrastructure


All of this requires us to redefine the positioning of stablecoins.


It is no longer just a 'settlement tool in the crypto space'; it has become a true global financial infrastructure. Ethereum serves as the backend clearing network, Meta builds the user interaction interface, Stripe manages enterprise-level wallet solutions, and Bridge provides developer interfaces... the world's most influential companies are turning stablecoins into the ultimate form of programmable dollars.


Changes in the financial system are accelerating: first slowly, then suddenly.



How should investors view this? What you need is a new perspective and tools.


The stablecoin track, from projects, infrastructure, clearing protocols, to payment applications, has every aspect worth digging deeper. But with an overwhelming amount of information and frequent data updates, it is extremely challenging for ordinary investors to grasp trends and make predictions in a timely manner.


At this point, you can try to make decisions like a professional institution: use an AI investment research assistant focused on the Crypto field, like Mlion.ai.


Whether it's tracking the deep logic behind real-time news, predicting the growth path of USDC/USDB, or monitoring the on-chain address activity and changes in capital inflow for Bridge, Mlion.ai can provide a complete intelligent investment research framework based on on-chain and off-chain data, social media sentiment, and regulatory developments.


If you missed the first surge of DeFi and NFTs, don't miss the explosive growth of stablecoin financial infrastructure this time.



Disclaimer: The above content is for information sharing only and does not constitute any investment advice! Investing carries risks; please evaluate independently.