#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 transaction fees and simplify global payment processes. This news follows the successful IPO of stablecoin issuer Circle, whose stock price soared 40% after an initial increase on its first day, indicating that stablecoins are rapidly penetrating 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 likelihood 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 combined total of Visa and MasterCard. With the gradual improvement of regulations, such as Hong Kong becoming the world's first financial center to comprehensively regulate stablecoins, and the U.S. also advancing relevant 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, and tech giants like Apple and Google are also planning to integrate them into their payment systems, all of which will help promote the adoption of stablecoins. However, stablecoins face challenges such as regulatory uncertainty and technological risks, and the global payment system is large and complex, with traditional payment methods dominating. User habits are difficult to change quickly, so it is challenging for stablecoins to become the default payment method in the short term.