#科技巨头入场稳定币

According to reports, Apple, Google, Airbnb, and Elon Musk's X are in preliminary talks with cryptocurrency companies to integrate stablecoins into their payment systems, aiming to reduce fees and simplify global payment processes. This news follows the successful IPO of stablecoin issuer Circle, with its stock price soaring 40% after an initial rise, indicating that stablecoins are accelerating their penetration into traditional finance and tech giants.

I believe that stablecoins could become one of the important methods for global payments in the future, but it is unlikely to become the default method in the short term.

The possibility of stablecoins becoming the default method for global payments: Stablecoins have advantages such as relatively stable prices, low transaction costs, and fast settlement speeds. In 2024, stablecoins facilitated over $27.6 trillion in transactions, surpassing the total of Visa and Mastercard combined. As regulations gradually improve, with Hong Kong becoming the world's first financial center to fully regulate stablecoins, and the U.S. also advancing related legislation, the development environment for stablecoins will become more favorable. Moreover, an increasing number of financial institutions and companies are participating in the stablecoin market, with tech giants like Apple and Google planning to integrate them into their payment systems, all of which contribute to the popularization of stablecoins. However, stablecoins face challenges such as regulatory uncertainty and technical risks, and the global payment system is large and complex, with traditional payment methods dominating and user habits being difficult to change quickly, making it challenging for stablecoins to become the default payment method in the short term.