Crypto enthusiasts, wake up! Mastercard's chief product officer Jon Lambert revealed explosive news last night: 90% of the trading volume of global stablecoins is stuck in the crypto speculation bubble; trying to enter supermarkets and restaurants for daily payments? It's as hard as climbing to the sky! But even more explosive is that traditional financial giants are secretly laying the groundwork, and a trillion-dollar payment revolution countdown has begun!
Highlight 1: The truth behind the 90% dilemma! Three mountains crushing the payment dream!
User experience feels like 'driving a tractor': An extra verification step in online payment checkout discourages 80% of users, and the operation lags like 'the prototype of QR code payments from 10 years ago.'
Compared to Alipay: QR code payment is completed in 0.3 seconds, while stablecoin payments require jumping through 3 pages and manually entering addresses, causing elderly users to throw their phones!
Coverage scope 'drawing the line':
Currently, less than 0.1% of merchants worldwide can accept stablecoins, and even Coinbase's own e-commerce is only daring to test in a small area.
Deadly shortcoming: Cross-border payment exchange costs are saved, but the fees for fiat currency inflow and outflow eat away 3% of profits, making it better to use a Visa card directly!
Consumer perception is 'ice and fire':
People in the crypto circle are wildly promoting USDT, while ordinary users don't even know what a 'stablecoin' is! Research shows: over 70% of Americans refuse to use unfamiliar tokens to pay for bubble tea.
Lambert's witty remark: "Using stablecoins for payment now? It's like forcing someone to drive a Ferrari to buy groceries—showing off but utterly useless!"
Highlight 2: Traditional giants are entering! Mastercard reveals three trump cards!
"Cash capability" builds bridges:
In partnership with Paxos to launch the USDG stablecoin, connecting PayPal's PYUSD and Circle's USDC, creating a 'stablecoin highway.'
Announcing plans to capture 150 million global merchants, integrating stablecoins into QR code scanners and POS machines, replicating the comeback path of Alipay!
Compliance 'amulet':
Using a bank-grade anti-money laundering system + cross-border licenses, specifically targeting the "money laundering black hole" of low-quality stablecoins (e.g., the 50 billion black money case of Huibao Payment).
Tough measure: Mandate that stablecoins are 100% backed by US treasury bonds or cash, and if they depeg and plummet? Directly freeze redemptions!
Harvesting 'new leeks':
Targeting the baby boomer generation (the fastest-growing group of investors aged 65 and above), enticing seniors to enter the market with "simple operations + high-yield investments."
Death countdown: 48 months to determine the landscape!
The US Congress overturns: If the GENIUS Act passes, stablecoins must integrate into daily payments before 2026, or face delisting and liquidation!
Surprising attack from Hong Kong: CMB International has obtained a virtual asset license, and the pilot program for the digital RMB stablecoin has expanded to 47 countries, directly copying the dollar's path!
Lambert's prediction: If retail payments are not conquered before 2030, 90% of stablecoins will become 'toys for self-amusement in the crypto circle'!
Retail survival guide: Three tricks to profit by following the big players!
Sticking to leading stablecoins:
Only hold USDT, USDC, PYUSD (Mastercard's direct line), and liquidate low-quality coins (e.g., KOGE once plummeted 86% in a single day)!
Ambushing payment concept stocks:
Mastercard (MA.US): The stock price has risen by 17%; if the bill passes, it will surge another 30%!
Hong Kong ETF (2818.HK): The only physical Bitcoin exchange channel in Asia, launched and immediately soared on July 18!
Anti-trap mantra:
Do not engage in small coin payments!
Do not fall for high-yield traps!
Wallet assets divided into three parts (10% exchange + 70% hardware wallet + 20% stablecoins)!
Conclusion:
Mastercard has bet a trillion dollars on infrastructure, and the US-China covert war is passing the baton to Hong Kong.
Remember three iron rules:
Only follow licensed kings (Mastercard/CMB International)!
Payment implementation needs three years (if there is no breakthrough before 2028, exit the market)!
Taking the compliance bonus (prioritize laying out compliant targets in the US and Hong Kong)!
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