Stablecoins have become a key upgrade to the global monetary system, and industry leaders believe that the next three years will be the fastest period for the development of digital assets. From the perspective of the first federally chartered digital currency bank in the United States, stablecoins are not only overlooked as financial instruments but are also seen as a fundamental improvement to the global monetary system. They are not just a better way to represent fiat currency but a new tool that combines the layers of fund transfer and value transfer. Despite technical and regulatory barriers, more and more companies have either adopted or are preparing to adopt stablecoins, incorporating them into mainstream payment networks. In the coming years, stablecoins are expected to see widespread institutional adoption and may become a key component of the global financial market infrastructure.