The Next Stop for Stablecoins: International Payments, US Stock Tokenization, and AI Agents

Core Points

Stablecoins have special advantages in payment scenarios, and the market is paying attention to their applications in traditional payment fields, especially in international trade and cross-border payments. Different varieties of stablecoins have "non-homogeneous" characteristics, leading to intense competition. Currently, the tokenization of US stocks and AI Agents are two important tracks for the advancement of stablecoin applications, which will have a siphoning effect on global financial market liquidity.

This article analyzes the prospects of stablecoins entering the payment field, looks forward to the tokenization of US stocks, the role of AI Agents in promoting stablecoins, and explains the establishment of regulatory and compliance systems.

Stablecoin and Traditional Payment: A Two-Way Rush

stablecoin entering the traditional payment sector: innovation in cost and settlement models

Stablecoins, as cryptocurrencies, feature peer-to-peer and decentralized characteristics for transfers between accounts, allowing users to maintain control over their accounts, with the blockchain infrastructure maintained by miners. This is distinctly different from traditional financial accounts. Stablecoins have a simplified account system where payment is instantaneously settled, making them particularly attractive for underdeveloped areas.

Traditional giants actively embrace stablecoin

Traditional giants like Walmart, Amazon, Ant Group, and JD.com are exploring stablecoins. Taking PayPal as an example, its PYUSD stablecoin has a supply scale of about $950 million, which is not developing as expected, reflecting the unique competitive logic of the stablecoin market.

The market competition for stablecoins will be very fierce.

"Non-fungible" determines the versatility of the scenario chain, which is the key to competition.

Different types of stablecoins have the characteristic of "non-homogeneity". USDT, as a leading variety, its universality is the key to market competitiveness. USDT is widely used globally, with a scale exceeding 156 billion USD.

The opportunities and challenges of stablecoin in developing new payment systems

Stablecoins need to build corresponding infrastructure and services to integrate into traditional payment systems. B2B payments and cross-border trade payments are potential markets in the future. Payment efficiency is another challenge faced by stablecoins, and the efficiency issue of blockchain networks in handling large-scale payments urgently needs to be addressed.

Siphon Financial Liquidity: US Stock Tokenization ( RWA ) and Agent

Tokenization of US Stocks: A New Catalyst Worth Looking Forward To

Stock tokenization is expected to become an important application scenario for stablecoins. Traditional financial institutions and cryptocurrency organizations are actively promoting its implementation.

AI Agent payment is another potential market

Stablecoins are built on blockchain light accounts, suitable for AI Agent-controlled accounts to achieve payments. Use case demonstrations of intent applications show the integration of AI decision-making and account payments.

Regulation and Compliance of Stablecoins: A Compliant Payment System Still Needs to be Established

The establishment of a stablecoin payment system is a systematic project that involves multiple aspects such as asset security, internal control, and compliance. The widespread use of stablecoins for payments brings regulatory challenges such as fiat currency offshoreing. It is currently in the stage of application and regulatory adjustment.

Investment Advice

Pay attention to RWA and stablecoin related sectors, including relevant targets in the US stock market, Hong Kong stock market, and A-shares. Focus on the application implementation of tokenization in the US stock market and the issuance of stablecoin licenses in Hong Kong as catalysts.

Risk Warning

• The research and development of blockchain technology did not meet expectations.
• Uncertainty of regulatory policies
• The implementation of the Web3.0 business model is not meeting expectations.