At three in the morning, Ahmed in Turkey smiled at his phone screen — he had just completed a cross-border trade settlement with USDT, and the payment of $100,000 arrived in 3 minutes, with fees less than 1/5 of traditional banks. This scene is playing out in countless corners of the globe: Argentine housewives pay school fees for their children with stablecoins, Nigerian merchants use stablecoins to avoid the plunge of their local currency, and Mexican immigrants send living expenses to their hometown relatives through stablecoins...
Once regarded as the 'toys of the crypto circle,' stablecoins are rapidly moving from the edge of the financial world to the center stage. A report from Citibank has unveiled the prelude to this comeback: by 2030, the supply of stablecoins could reach $3.7 trillion — this is not a cold number, but a force capable of reshaping the global financial landscape.
From 'barbaric growth' to 'entering the room': a silent financial revolution
Five years ago, when stablecoins were mentioned, bankers would dismissively say, 'It's just a hedging tool for cryptocurrencies'; now, financial giants like BlackRock and Franklin Templeton have quietly entered the scene, incorporating stablecoins into payment and settlement systems. Behind this attitude shift are three 'comeback codes':
1. Regulatory thaw: from 'gray areas' to 'sunshine tracks'
The U.S. passed the (Stablecoin Bill), and the EU implemented the MiCA regulations, which once made practitioners anxious have now become the 'gold-plated pass' for stablecoins. A seasoned practitioner recalls: 'Meeting clients used to feel like committing a crime; now we bring regulatory documents, and the other party's demeanor is different — compliance has transformed stablecoins from 'wild children' to 'regular troops.'
2. Institutional awakening: the 'fragrant moment' of traditional finance
When JPMorgan starts testing cross-border settlements with stablecoins, and when PayPal launches its own stablecoin PYUSD, people suddenly realize: it's not that stablecoins need financial institutions; it's that financial institutions need stablecoins. It acts like a magic wand, transforming cross-border remittances from 'three days to arrive' to 'seconds to arrive,' making corporate payments shift from 'fee assassins' to 'cost transparency.' Bankers who once scoffed at cryptocurrencies are now repeatedly discussing in internal meetings: 'How to make stablecoins a key piece of our globalization strategy?'
3. The 'lifeline' for ordinary people: the last line of defense against inflation
In Argentina, where the annual inflation rate exceeds 100%, monthly salaries cannot keep pace with the rising prices of bread, stablecoins have become a 'digital Noah's Ark' for the working class; in Venezuela, piles of Bolívar banknotes cannot buy a barrel of gasoline, but USDT can buy essential goods on the black market — the rise of stablecoins is essentially a desperate shout from ordinary people around the world for 'stable value.' When local currencies depreciate like wild horses, and the numbers in bank accounts shrink daily, stablecoins have become the last piece of driftwood they can hold onto.
From 'trading tools' to 'financial infrastructure': what are stablecoins disrupting?
Opening a cryptocurrency exchange, 90% of transactions are inseparable from stablecoins — this is just its 'primary form.' The real disruption is happening in every corner of the real world:
Cross-border remittances: making longing no longer 'late'
Maria, from Mexico City, sends living expenses to her parents back home every month. In the past, she had to pay an 8% fee and wait 3 days for the money to arrive; now, using stablecoins for the transfer, the fee is down to 2%, and her parents receive it in minutes. 'Last week, mom used the USDT received to buy new medicine, and no longer has to wait for the pharmacy to raise prices.' Maria's eyes sparkled.Corporate payments: freeing trade from the 'fee shackles'
Amir, the cross-border e-commerce owner in Kenya, almost went bankrupt due to the 'hidden costs' of traditional banks. Now, he settles international payments with stablecoins, reducing transaction costs by 60%, and his profit statement is no longer 'eaten up' by fees. 'Stablecoins allow our small company to compete with big groups in terms of efficiency.' He said, patting his computer screen.Asset preservation: allowing ordinary people to hold onto a 'stable anchor'
Othman, a programmer in Turkey, exchanges half of his salary for stablecoins. 'The lira depreciates by 40% every year, while USDT acts like a lock, helping me preserve the money I've worked hard for.' He pointed to his wallet on his phone, 'This is not an investment; it’s insurance for life.'
When 'zero returns' became a thing of the past: the 'involution' of stablecoins has just begun
Once, stablecoins relied on 'stability' to dominate; now, giants like BlackRock and PayPal have entered the arena with 'yields,' sparking a 'value-added revolution.' Users have discovered: stablecoins can not only save lives but also generate money.
Circle rewards USDC users, Tether is pondering how to give back to holders, and new players are coming in with a 5% annual yield — behind this 'involution' is the evolution of stablecoins from 'tools' to 'ecosystems.' Just as smartphones evolved from 'making calls' to 'mobile worlds,' stablecoins are transitioning from 'value metrics' to 'cornerstones of financial ecosystems.'
Conclusion: An era belonging to stablecoins is approaching
Looking back from the crossroads of 2025, the rise of stablecoins is like a silent tsunami:
It has made financial institutions let go of their biases and start embracing 'decentralization';
It has allowed ordinary people to hold onto the first 'stable plank' amid the storm of inflation;
It has made cross-border payments, corporate settlements, and asset preservation no longer the 'privilege of the rich,' but an everyday reality within reach.
When the morning sun shines on the New York Stock Exchange, when a merchant in Dubai completes the first transaction with stablecoins, when a mother in Africa uses stablecoins to pay her child's school fees — what we are witnessing is not just an industry explosion, but a reconstruction of the global financial order.
The story of stablecoins has just begun. And you, are you ready to embrace this new world where 'stability is power'?
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