2025-12-26 08:30:49

#数字资产市场动态 The Ambition of the Stablecoin Market: How Institutions Are Reshaping the Global Financial Chain

By 2025, the total market cap of stablecoins will grow by over 70%, which is not just a numerical jump—it's a hidden battle for global capital over the "digital asset anchor." USDT and USDC have long surpassed the simple identity of "hedging tools," evolving into institutional-level "global funding channels." As traditional bank interest rates continue to decline, major capital is building a new financial ecosystem with stablecoins—absorbing retail investors' safe-haven assets while leveraging DeFi markets to achieve cross-market arbitrage opportunities.

The truth behind this growth is quite revealing. On the surface, it appears to be a "compliance-driven payment revolution," but in essence, what are institutions plotting? European payment giants are using stablecoins to bypass traditional clearing and settlement networks, some Asian exchanges are using stablecoins to circumvent foreign exchange barriers, and even central bank digital currency testing schemes involve stablecoin bridging. This is no longer just a "pre-bull market" signal but a deep collision between the old financial system and the new asset system.

For ordinary participants, how should they respond? The first approach is to follow institutional layouts and deeply study the ecological applications of compliant stablecoins. The second is to seek small but high-quality payment scenario projects—the true value lies not in daily exchange fluctuations but in the practical application within global payment networks. The core advice is: don't become a one-way fund provider; either understand the institutional logic and participate or discover genuine payment needs. Ultimately, the stablecoin battlefield will shift from exchanges to actual cross-border payments and fund settlements. Missing this cognitive upgrade means you can only watch others reap the benefits.

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WhaleInTraining

· 8h ago

Basically, institutions are accumulating, while retail investors are still arguing about whether USDT is safe or not. Stablecoins are not stable at all, the biggest joke in the crypto world. This wave is really just compliant facade for illegal activities... everyone knows it well. I've heard a hundred times about cross-border payments, but when will they actually be usable? It's just a new trick to cut leeks again, same old story with a different flavor. The DeFi arbitrage logic, just hearing about it makes it obvious it's another scheme to scam retail investors. So the key is to get in early; those who enter late will always be the bagholders. When stablecoins really create a global payment network, then I will believe it.

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CryptoSourGrape

· 10h ago

Damn... If I had gone all-in on the stablecoin ecosystem last year, it would have been great. Now, seeing a 70% increase, I can only regret.

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TokenTherapist

· 10h ago

It's the same old trick of institutions eating the meat and retail investors drinking the soup. This round of stablecoins is really just a rebranded way to harvest retail investors.

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OnchainUndercover

· 10h ago

Now I realize that stablecoins are the real protagonists; I was fooled by shitcoins before, haha.

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CryptoNomics

· 11h ago

actually, if you run a basic regression analysis on stablecoin velocity metrics, the 70% figure tells a very different story than what most people are peddling here. the correlation between institutional adoption and actual payment volume is far weaker than this narrative suggests—statistically insignificant, tbh.

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SatoshiHeir

· 11h ago

It should be pointed out that this article has a fatal flaw in its argumentative framework—equating institutional arbitrage behavior with the reshaping of the financial system, which clearly confuses tactics with strategy. According to the fundamental thinking from the white paper, the technical essence of stablecoins has never changed, only the expansion of liquidity pools. A 70% growth figure alone is insufficient to disprove the efficiency advantage of traditional clearing and settlement networks. Let me say this: true value consensus should be based on actual transaction scenarios indicated by on-chain data, rather than the illusion of daily fluctuations on exchanges. I have examined community debate archives from 2014-2017, and the issue of "bypassing foreign exchange barriers" that you are discussing now has long been argued— the answer is quite harsh. Don’t be fooled by this rhetoric of "cognitive upgrade." What I aim to disprove is: most people are still acting as one-way capital providers, just under a different name called "participating in the ecosystem." Undoubtedly, the real cross-border payment revolution will not come from the competition over USDT's stock but from innovative breakthroughs in the fundamental technology. Watching others eat meat? I just laugh.

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NFTRegretful

· 11h ago

Institutions are eating the meat, while retail investors are still discussing whether USDT is safe or not... Wake up everyone, the real battlefield has long moved elsewhere.

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Blockwatcher9000

· 11h ago

Institutions are playing big chess, while we are playing snake skin... A 70% growth sounds impressive, but the real leverage arbitrage has long been eaten up by the top players. That said, the payment scenario is the real solution. No matter how high the stablecoin liquidity in exchanges is, it's just paper wealth.

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