News: Growth of Stablecoins Transforms the Global Financial Landscape

July 20, 2025 – Economy & Technology

In recent years, stablecoins – cryptocurrencies pegged to stable assets such as the dollar, euro, or even gold – have been gaining increasing traction in the global financial landscape. By combining the stability of traditional fiat currencies with the agility of cryptocurrencies, they have become a strategic bridge between the traditional banking system and the decentralized universe of digital finance (DeFi).

According to recent data from CoinMarketCap, the total market value of major stablecoins exceeds US$ 150 billion, with Tether (USDT) and USD Coin (USDC) leading the sector. Both are widely used in international transactions, protection against volatility, and as a store of value in countries with unstable economies.

Experts say that one of the main attractions of stablecoins is their low volatility, making them ideal for everyday transactions, crypto salaries, and faster, cheaper international payments. In many developing countries, they have also served as a more accessible and reliable alternative to local currencies that suffer from inflation and constant devaluation.

However, the rapid growth of stablecoins has drawn the attention of governments and regulatory institutions. In the United States, the SEC (Securities and Exchange Commission) and the Federal Reserve have been discussing the implementation of stricter regulations to ensure the transparency of the reserves backing these currencies and to avoid systemic risks.

In Brazil, the Central Bank is also closely monitoring the movement. In 2024, the institution published a study on the impact of stablecoins on the national financial system, pointing out risks while also recognizing the potential for financial inclusion and modernization of the payment system.

In addition to the financial sector, companies like Visa, Mastercard, and even PayPal have already integrated support for#StablecoinLaw