In the short term, the Cardano stablecoin proposal, with its privacy stablecoin plan (such as a selective disclosure mechanism), may attract privacy-focused institutional users, potentially breaking through the EU's 2027 privacy coin ban through compliance routes, but it must balance regulatory scrutiny pressures.

In the medium term, in terms of ecology, the excess collateral mechanism (such as the Djed dual-token design) and the injection of a stabilization fund are expected to alleviate Cardano DeFi's liquidity shortage issues, but the founder's proposed conversion of 140 million ADA from the treasury may trigger concerns about a sell-off, exacerbating market volatility;

In the long-term strategy, the integration of privacy features with RWA (such as USDA pegged to the US dollar and tokenized government bonds) may propel Cardano to become a bridge connecting traditional finance and the crypto ecosystem, but it must tackle the challenges posed by the USDT/USDC duopoly in the market landscape. If this proposal is successfully implemented, it could reshape Cardano's competitiveness in the fields of payments, cross-border settlements, and asset management.