Ant's Entry into Stablecoins: A Silent Revolution Disrupting Cross-Border Finance

When Ant International announced its application for a stablecoin license in Hong Kong, the financial sector sensed a wave of change—this is not only an expansion of the payment giant's business but could also reshape the global financial order.

Traditional stablecoins (like USDT) have long been active in the crypto sphere, and Ant's entry means that stablecoins will receive “official certification” for the first time. Its 1.3 billion users, trillion-level cross-border payment network, and daily transaction volume exceeding 10 billion USD could bring cross-border payment costs close to zero, benefiting small and medium enterprises.

After the announcement, trading volume in the Hong Kong fintech sector surged, but the real change lies in industry reshuffling: high-threshold licenses (25 million HKD capital + full reserve) will eliminate small players, while compliance stablecoins dominated by giants may make “instant transfers” a reality.

If Ant's stablecoin gains dominance, decentralized finance (DeFi) may face challenges. However, Hong Kong's regulatory framework aims to balance innovation and risk; if the offshore RMB stablecoin pilot is successful, the global monetary system may encounter new variables.

The wave of “compliance” for stablecoins essentially shifts digital assets from speculation to practicality. Instead of chasing short-term volatility, it is better to focus on:

Digital opportunities for cross-border service providers

Upgrades to blockchain infrastructure

Compliance channels connecting traditional and digital finance

The iteration of financial infrastructure is never gentle. When giants begin to lay out their plans, what ordinary people can do is understand the new rules early—after all, those who miss the search entry later become paid users of the platform.

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