🔰📚📖🗞🩴🤓📊💵📲🆙↗️⏫💰🤑💲
Hello, hello Brazil !!!!!
Have a good day everyone 🙌✌️🤞
Let’s start the articles on cryptocurrencies, talking about the main ones we use the most and forget that they are also cryptocurrencies, the STABLECOINS
They are our midfield, transforming our valuable reais (contains A LOT of irony) with most of the cryptocurrencies traded here on Binance, as in all other exchanges
📌 Introduction
Stablecoins emerged as a bridge between the volatile world of cryptocurrencies and the stability of fiat currencies, such as the dollar or euro. Combining the power of blockchain technology with the predictability of traditional money, these stable digital currencies are gaining traction in payments, decentralized finance (DeFi), international remittances, and even in traditional banking systems
🧱 What are Stablecoins?
Stablecoins are cryptocurrencies whose value is tied (or "backed") to stable assets, usually:
- Fiat currencies (e.g., USD, EUR, BRL)
- Commodities (e.g., gold)
- Other cryptocurrencies (in algorithmic or collateralized models)
The main function is to maintain a stable price, allowing predictable transactions within blockchain ecosystems, without the typical volatility of Bitcoin or Ethereum
🧩 Main types of stablecoins
Fiat-collateralized: USDT, USDC, EURI The most popular and widely used
Crypto-collateralized: DAI, LUSD, ETH More decentralized, but rely on oracles
Algorithmic: Frax (partial), Ethena Stability via supply and demand algorithms
Backed by commodities: Pax Gold (PAXG) Gold
🏦 Practical Applications
1. Global instant payments: especially for countries with inflation or limited banking access
2. DeFi: they are the engine of the ecosystem, used as collateral, liquidity, and store of value
3. Remittances and international trade: much lower cost than traditional systems like SWIFT
4. On/off-ramp exchanges: serve as entry and exit points for the crypto market
5. Tokenization of currencies by banks: institutions are creating their own stablecoins (e.g., JPM Coin, EURI)
🔐 Advantages and risks
✅ Advantages
Low volatility
Fast and cheap transactions
Transparency and traceability
High integration with DeFi and CeFi
⚠️ Risks
Centralization risk: many are managed by private companies
Regulation still evolving
Risks of collateral collapse (e.g., UST/Terra Luna in 2022)
Attacks or failures of smart contracts
🌍 Current outlook (2025)
Stablecoins represent 11 of the 20 cryptocurrencies with the highest daily trading volume
USDT (Tether) leads with over $100 billion in circulation
USDC, DAI, and EURI continue as alternatives with greater regulatory or decentralized focus
Traditional banks like Société Générale, Banking Circle, and JPMorgan are already using or developing their own stablecoins
Regions such as Europe, Singapore, and the United Arab Emirates already have stable regulation for issuance and use
📜 Regulation and future
With the advancement of regulations such as MiCA (Europe), STABLE Act (USA), and pilot projects for digital currencies by central banks (CBDCs), institutional use of stablecoins is expected to grow even more
Additionally, we will see a trend of:
Greater auditing and transparency regarding reserves
Expansion to tokenized real-world assets (RWAs) via stablecoins
Fusion between private stablecoins and public infrastructures (e.g., integration with CBDCs and central banks)
✅ Conclusion
Stablecoins are one of the greatest innovations within the crypto universe, as they enable accessibility, speed, and stability with the trust of traditional assets
Stablecoins are our allies in acquiring cryptocurrencies, also serving as a safe haven in moments of market devaluation, ensuring that investment ecosystems do not suffer SO MUCH from volatility