#科技巨头入场稳定币

🏢 Why do tech giants want to enter the market?

1️⃣ Mastering the flow of money is the key

Meta (formerly Facebook) launched Libra (later renamed Diem) as one of the earliest examples. Although it was suppressed by the government, the underlying signal is very clear:

Tech giants don't want to just be social or e-commerce platforms; they want to be banks.

If they can control a digital currency, or even just a 'stablecoin payment network', they can bypass traditional banks and credit card systems, creating their own economic systems.

2️⃣ User scale outweighs everything

Imagine this:

• Apple launches 'Apple USD' integrated with Apple Pay

• Google launches 'GUSD', directly built into Android phones and Google Wallet

• Amazon allows you to use 'Amazon Stablecoin' for payments, receipts, and even investments

These platforms already have billions of users worldwide. Once they integrate stablecoin payment or transfer functions, it will directly rewrite the rules of the game concerning 'who controls the flow of currency'.

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🔍 Current situation and trends

Here are some known important developments:

✅ PayPal: launched its own stablecoin PYUSD

• Based on Ethereum, pegged to the US dollar

• Supports wallet transfers and gradually opens up more blockchain applications

✅ Telegram: TON chain integrates stablecoin transfers

• Built-in TON wallet, supports direct transfers of USDT

• Aims to allow users to complete payments within chats

✅ Stripe / Visa / Mastercard: started testing USDC settlements

• Supports some merchants in settling cross-border payments with stablecoins

• Accelerates the speed of fund flow and reduces intermediary costs

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🧨 Why is this a 'currency war'?

Tech companies launching stablecoins is not just about payments; it challenges the status of national sovereign currencies.

If stablecoins become widely adopted, they will produce:

• 🏦 Impact on the deposit structure of traditional banks

• 🌍 Weaken the financial stability of countries with weak currencies (like Argentina, Turkey)

• 📉 Reduce central banks' control over fund flow and monetary policy

This is why governments around the world are particularly nervous about 'tech companies issuing stablecoins', especially in the US, EU, and China.

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