yamada.base.eth
@yamada
The Future of Payments Transformed by Stablecoins: From Coexistence to Integration Introduction Fiat-pegged stablecoins are revolutionizing payments due to their low price volatility. This paper analyzes their impact on payment systems and daily life. Problems with Traditional Payments Traditional international remittances are slow and costly (3-10% fees) due to multiple intermediaries. Credit card fees also burden consumers.
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yamada.base.eth
@yamada
Stablecoin Solutions Stablecoins enable faster, cheaper (0.5-1.5% fees) remittances via blockchain, as seen in Visa's 70% cost-saving pilot. Blockchain transaction costs are minimal. Strategies of Major Payment Companies Visa now supports dual fiat/USDC settlement, while Mastercard enables cross-chain stablecoin transfers, enhancing convenience. Emerging Markets and Trade Finance Stablecoins serve as value stores in high-inflation nations and drastically cut trade finance settlement times (e.g., from 14 days to 2 hours in Southeast Asia).
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yamada.base.eth
@yamada
Regulatory Environment and Challenges U.S. regulations like the "Stablecoin Trust Act" enhance reliability by mandating reserves and audits, but balancing privacy with anti-money laundering (AML) remains an ongoing challenge. Future Outlook: Hybrid Ecosystem Stablecoins will integrate into a hybrid ecosystem, with major players like Visa and Mastercard driving adoption. By 2026, expect wider payment network support, new "digital dollar economies," and expanded B2B use, potentially outpacing CBDCs in specific areas.
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