When payment tools encounter financial barriers, no matter how impressive the data, it cannot cover the stark reality! #eth突破4000
Latest data shows that by 2025, the trading volume of stablecoins has surpassed 1 billion payments, with a total amount nearing 50 trillion dollars, just a step away from last year's record of 57 trillion. Even more astonishing, since the dust settled after the U.S. election in November 2024, the total market value of stablecoins has surged by 47%, reaching a historic high of 255 billion dollars. Behind these impressive numbers, however, lies the concern of seasoned fintech professionals—the exchange costs are becoming an invisible ceiling on the development of stablecoins.
Stablecoins seem to be the perfect payment solution, but in practice, they face layers of barriers from the traditional financial system. Each exchange between fiat currency and stablecoins is subject to continuous exchange friction from intermediaries like banks and payment gateways, which makes stablecoin payments, that should flow seamlessly, costly in real scenarios.
It is worth noting that while the improvement of the U.S. regulatory environment after Trump's election has driven the market value soaring, the growth rate of trading volume has significantly lagged behind that of market value. This precisely confirms the industry's pain point: funds are more willing to hold stablecoins as a safe-haven asset rather than using them as daily payment tools—because the exchange loss behind each transfer is silently deterring potential users.
Currently, stablecoins stand at a crossroads: on one side is the explosively growing market size, and on the other is the exchange bottleneck that hinders development. To truly break through the 50 trillion trading volume ceiling, the industry must solve this 'last mile' problem. Perhaps the next round of explosion lies in an innovative solution that can bridge the exchange channel between fiat and the crypto world.
Remember, any financial innovation must undergo a transformation from 'digital frenzy to pragmatism.' If stablecoins want to truly replace traditional payments, they must first overcome the mountain of exchange costs!
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