#科技巨头入场稳定币

Stablecoins have become the default method for global payments and this trend is irreversible, but the path to achieving it will show characteristics of 'layered penetration':

2025-2027: Platforms like Apple and X will first break through in consumption scenarios, with stablecoin payments accounting for 30% of cross-border transactions;

2028-2030: Sovereign stablecoins and private stablecoins will coexist, with DeFi protocols becoming the default settlement layer for payment systems;

Post-2030: The form of currency will be completely restructured, with 90% of M2 circulating in the form of on-chain stablecoins.

The essence of this transformation is the replacement of traditional financial channels like SWIFT and CHIPS by blockchain technology. When tech giants establish their foothold in payment gateways, cryptocurrencies will evolve from being geek toys to the foundational blood of the digital economy— and this may happen faster than we think.