Part One: Payments and Financial Infrastructure
Stablecoin Breakthrough: From Edge to Mainstream Payment Layer
Last year, stablecoin trading volume surpassed $46 trillion, a figure that is truly staggering—over 20 times the volume of PayPal payments and approaching the scale of the world's largest payment networks. Currently, on-chain stablecoin transfers are confirmed within seconds and cost less than a cent.
However, this high efficiency has not yet been fully integrated into everyday financial systems. The key issue lies in connectivity—how to enable smooth conversion of digital dollars into local fiat currencies, making them truly usable as payment tools. New-generation startups are filling this gap. They utilize cryptographic verification technologies, local payment network integrations, QR code solutions, and more, allowing users to complete transactions with stablecoins at everyday shops.
Once these foundational entry and exit infrastructures mature, stablecoins will undergo a transformation in identity: evolving from mere trading tools to becoming the very settlement layer of the internet. Cross-border salaries are settled in real-time,