The accelerated integration of stablecoins with traditional finance and tech giants is driving their transition from "crypto asset supporting roles" to "global payment new infrastructure."

Traditional cross-border payment fees reach 3%-7%, and settlement takes 3-5 days; stablecoin payment fees are below 0.1%, with arrival times reduced to within 30 seconds.

Countries with high inflation like Turkey and Argentina have stablecoin transaction volumes ranking among the highest in the world as a percentage of GDP, with the public using USDT to hedge against domestic currency depreciation risks.

The 1.4 billion unbanked people globally can access payment networks through stablecoins.

X can quickly realize the "stablecoin tipping-consumption-withdrawal" scenario through a social + payment closed loop;

Apple, relying on its hardware security chip (Secure Enclave) and compliance architecture, is more suitable for high net worth asset custody.

Stablecoins are destined to become the default payment option in emerging markets, cross-border trade, and on-chain economies, but in developed countries, a full replacement of bank cards will still take over ten years. In the short term, X and Apple will take the lead in creating "social + hardware" dual entry points, promoting cryptocurrency's transformation from a trading asset to a payment infrastructure akin to utilities. Using cryptocurrency seamlessly will become as natural as today’s QR code payments — however, the biggest resistance to this transformation may not be technology but rather the struggles of old interest chains.