Galaxy predice que las stablecoins superarán el volumen de transacciones ACH en 2026

cointelegraphPubblicato 2025-12-19Pubblicato ultima volta 2025-12-19

Introduzione

Según un pronóstico de Galaxy Research, las stablecoins podrían superar el volumen de transacciones del sistema ACH de EE.UU. en 2026, impulsadas por la claridad regulatoria y una mayor adopción. Actualmente, las transacciones con stablecoins ya superan a las de redes como Visa y alcanzan la mitad del volumen del ACH. El suministro de stablecoins crece a una tasa anual del 30-40%, y se espera que la implementación de la Ley GENIUS a principios de 2026 acelere aún más su uso. Además, Galaxy proyecta que Bitcoin podría alcanzar los $250,000 para fines de 2027. El mercado de stablecoins, valorado en $309 mil millones, está dominado por USDT y USDC, pero nuevas entradas como Western Union, Sony Bank y SoFi Technologies están lanzando sus propias stablecoins. Se anticipa una consolidación en 2026, donde los usuarios probablemente adoptarán solo una o dos stablecoins con la mayor aceptación.

Las stablecoins podrían procesar más volumen de transacciones que el sistema estadounidense de Automated Clearing House (ACH) en 2026, a medida que la claridad regulatoria y la creciente adopción amplíen su uso, según un nuevo pronóstico.

Galaxy Research, el brazo de investigación de la compañía de activos digitales Galaxy Digital, señaló los datos de transacciones existentes y los desarrollos regulatorios para respaldar su predicción, destacando que "las transacciones con stablecoins ya eclipsan a las principales redes de tarjetas de crédito como Visa y ahora procesan aproximadamente la mitad del volumen de transacciones del sistema de cámaras de compensación automatizadas (ACH)".

Thad Pinakiewicz, vicepresidente de investigación, dijo que la oferta de stablecoins ha seguido creciendo a una tasa de crecimiento anual compuesto del 30% al 40%, con volúmenes de transacción aumentando junto con la emisión. Galaxy también citó la implementación esperada de las definiciones bajo la Ley GENIUS a principios de 2026 como un factor que respalda un mayor crecimiento en el uso de stablecoins.

*Volumen de stablecoins vs. otros sistemas financieros. Fuente:* *Galaxy Digital*

El documento también incluye predicciones para el precio de Bitcoin (BTC), escribiendo que podría alcanzar los $250,000 para fines de 2027. Según Alex Thorn, jefe de investigación de Galaxy Research, 2026 es "demasiado caótico para predecir, aunque que Bitcoin alcance nuevos máximos históricos en 2026 sigue siendo posible".

Relacionado: Coinbase es ‘cautelosamente optimista’ para 2026 a medida que las criptomonedas se acercan a un punto de inflexión institucional

El mercado de stablecoins vinculadas al dólar se expande

Según datos de DefiLlama, la capitalización de mercado de las stablecoins actualmente se sitúa en alrededor de $309 mil millones. Si bien USDt (USDT) de Tether y USDC (USDC) de Circle continúan dominando, un número creciente de instituciones financieras y empresas de pagos han ingresado a la carrera de las stablecoins en los últimos meses.

*Capitalización de mercado de stablecoins. Fuente:* *DefiLlama*

En octubre, Western Union anunció planes para lanzar su propia stablecoin vinculada al dólar estadounidense, el US Dollar Payment Token, que se construirá en la blockchain de Solana y será emitida por Anchorage Digital Bank como parte de una red de liquidación de activos digitales más amplia.

Se informó que Sony Bank estaba preparando una stablecoin vinculada al dólar estadounidense para su uso en el ecosistema estadounidense de Sony, incluidos juegos de PlayStation, suscripciones y contenido de anime. Se espera que la stablecoin se lance en 2026.

El jueves, SoFi Technologies lanzó SoFiUSD, una stablecoin de dólar estadounidense totalmente respaldada emitida por su subsidiaria bancaria, SoFi Bank. La compañía dijo que el token debutará en Ethereum y está diseñado para respaldar liquidaciones de bajo costo para bancos, fintechs y plataformas empresariales.

Jianing Wu, asociada de Galaxy Research, dijo que espera que las stablecoins asociadas con TradFi se consoliden en 2026, ya que es poco probable que los usuarios y comerciantes adopten una larga lista de dólares digitales y, en cambio, favorecerán uno o dos con la "aceptación más amplia".

Revista: Atacar Bitcoin con computación cuántica sería una pérdida de tiempo: Kevin O’Leary

Crypto di tendenza

CitreaCTR

wrapped stUSDTWSTUSDT

Velodrome FinanceVELODROME

BrevisBREV

ZRX（0X）ZRX

PancakeSwapCAKE

Domande pertinenti

Q¿Qué predice Galaxy Research sobre el volumen de transacciones de stablecoins en comparación con el sistema ACH para 2026?

AGalaxy Research predice que las stablecoins procesarán más volumen de transacciones que el sistema ACH de EE. UU. en 2026, impulsado por la claridad regulatoria y la creciente adopción.

Q¿Cuál es la tasa de crecimiento anual compuesto de la oferta de stablecoins según Thad Pinakiewicz?

AThad Pinakiewicz, vicepresidente de investigación, señaló que la oferta de stablecoins ha crecido a una tasa anual compuesta del 30% al 40%.

Q¿Qué precio podría alcanzar Bitcoin (BTC) para fines de 2027 según Galaxy Research?

ASegún Galaxy Research, Bitcoin (BTC) podría alcanzar los $250,000 para fines de 2027.

Q¿Qué empresas han lanzado o planean lanzar stablecoins vinculados al dólar según el artículo?

AEmpresas como Western Union, Sony Bank y SoFi Technologies han lanzado o planean lanzar stablecoins vinculados al dólar, como el US Dollar Payment Token de Western Union y SoFiUSD de SoFi.

Q¿Qué espera Jianing Wu de Galaxy Research respecto a las stablecoins asociadas con TradFi en 2026?

AJianing Wu espera que las stablecoins asociadas con TradFi se consoliden en 2026, ya que usuarios y comerciantes probablemente adoptarán una o dos con la 'aceptación más amplia' en lugar de una larga variedad.

Letture associate

U.S. Treasury Steps Up Long-Term Bond Buybacks, Why Are Gold and Bitcoin Rising?

The U.S. Treasury's announcement to double its long-term Treasury bond repurchase program has fueled market fears over potential dollar depreciation, leading to significant rallies in both Bitcoin and gold. Analysts interpret the larger buybacks as a form of easing, which could exacerbate inflation and erode the dollar's purchasing power, driving investors toward perceived hard assets like Bitcoin and gold. Bitcoin saw a sharp surge, further amplified by short-covering and positive regulatory developments. Gold also broke above a key technical level amid dollar weakness. However, the bond market's reaction was muted, with long-term yields remaining elevated. Skepticism persists over whether these repurchases can address the fundamental pressures driving the bond sell-off, especially against a backdrop of soaring U.S. government debt and interest costs.

华尔街日报1 h fa

U.S. Treasury Steps Up Long-Term Bond Buybacks, Why Are Gold and Bitcoin Rising?

华尔街日报1 h fa

Mysterious "Ox Alpha" Large Model Goes Viral with Limited-Time Free Access

A mysterious anonymous AI model named "Ox Alpha," nicknamed "Cow is Coming" by Chinese netizens, has appeared on OpenRouter, sparking widespread speculation. The model offers a 1 million token context, supports text, image, and video inputs, can call tools, and is currently free. Its standout feature is strong coding ability. Initial tests on the DeepSWE benchmark, which evaluates real-world software engineering tasks, showed an 80% pass rate on a subset of tasks, reportedly nearing top-tier code models. However, follow-up tests yielded a 63% score, with variations attributed to different task sets and configurations. The model's true developer is a major topic of debate. The prevailing theory points to Zhipu AI's unreleased GLM-5.3 Flash or its multimodal variant. Evidence cited includes identical visual token consumption patterns with GLM-5V-Turbo for videos, a consistent offset in text token counts compared to GLM-5.3, and similar behavioral traits like refusing audio processing. Zhipu has a precedent of anonymous testing. Simultaneously, another anonymous model, "korrine," appeared on Code Arena, with guesses ranging from Moonshot's Kimi K3.1 to models from Qwen or MiMo, adding to the industry's guessing game. This trend of anonymous "undercover" testing allows for unbiased performance evaluation in platforms like Arena and provides real-world, high-pressure testing through tools like OpenRouter before official release. It also serves as an effective marketing tactic, prolonging discussion through suspense. If Ox Alpha is indeed a "Flash" model, its performance raises expectations for the full-scale version's potential.

marsbit2 h fa

Mysterious "Ox Alpha" Large Model Goes Viral with Limited-Time Free Access

marsbit2 h fa

Bitwise CIO Matt Hougan: If You Have 0% Crypto Allocation Now, It's Equivalent to Actively Shorting the Market Outlook

Summary: In a podcast interview, Bitwise CIO Matt Hougan argues that a 0% allocation to crypto is not a neutral stance but an active bet against its future, despite the market being down 50% from its highs. He observes that major Wall Street institutions like BlackRock, Wells Fargo, UBS, and Morgan Stanley are proceeding with crypto and tokenization initiatives regardless of short-term price or regulatory delays like the CLARITY Act, which he sees as perpetually stalled. Hougan states that Bitcoin's resilience to recent bad news (AI stock volatility, large BTC sales, fading regulatory odds) signals the bear market is ending, as "bear markets die in apathy." He recommends a 5% crypto allocation for most portfolios, calling it a "magic number" that boosts returns without significantly increasing overall volatility. For absolute returns, he favors buying now over dollar-cost averaging, given compressed volatility and high upside potential. He remains bullish long-term, citing the vast growth potential of tokenizing real-world assets and setting an $8000 price target for Ethereum.

marsbit2 h fa

Bitwise CIO Matt Hougan: If You Have 0% Crypto Allocation Now, It's Equivalent to Actively Shorting the Market Outlook

marsbit2 h fa

Breaking News: DeepSeek Announces All-Day Off-Peak Pricing on Weekends, Making Weekend Work More Cost-Effective?

DeepSeek has announced a significant change to its API pricing model, effective August 23. The new policy removes peak/off-peak distinctions on weekends (Saturdays and Sundays), charging the lower off-peak rate for the entire two-day period. This adjustment has sparked mixed reactions within the developer and professional communities. For developers and businesses heavily reliant on DeepSeek's V4-Flash and V4-Pro APIs, this is welcome news. It allows them to schedule bulk processing tasks on weekends without the higher peak-hour costs, potentially halving their API bills for such workloads. Some users have celebrated the move for making weekend work more cost-effective. However, the announcement has also raised concerns among employees. There is apprehension that companies, particularly in cost-sensitive sectors like AI-powered short drama production, might reorganize work schedules to align with these new cost incentives. Instances are already emerging where teams schedule high-token tasks during cheaper nighttime hours or adjust staff shifts. This has led to worries about a potential shift towards weekend workdays and weekday time-off, prioritizing cost savings over traditional work-life balance. Debate has ensued regarding the practicality of such schedule changes, with questions about increased communication overhead and overall efficiency. Speculation about DeepSeek's motives for the change includes theories that peak pricing correlates with internal model training schedules, though others counter that training is largely automated. The new pricing structure is now in effect, prompting users to reconsider their task scheduling strategies.

marsbit3 h fa

Breaking News: DeepSeek Announces All-Day Off-Peak Pricing on Weekends, Making Weekend Work More Cost-Effective?

marsbit3 h fa

Just Now, The World's First Human vs. Robot Tennis Match Begins, Robot's Desperate Save Leaves Zheng Jie Astonished

Just now, the world's first human vs. robot tennis match began, featuring stunning robotic saves that left tennis star Zheng Jie in awe. This historic event, part of the second World Humanoid Robot Games and broadcast live globally by China Media Group, marked a pivotal moment in Chinese technological innovation and embodied artificial intelligence. The match featured both mixed human-robot doubles and a groundbreaking singles match between Zheng Jie and the "Galaxy Xingzai" humanoid robot developed by Galaxy General. The robot demonstrated impressive skills including serving, forehands, backhands, and strategic court movement, with serves exceeding 100 km/h. It exhibited remarkable adaptability, recovering from a fall to continue play and handling slices and spins. The doubles match highlighted its ability to coordinate dynamically with a human partner. The event's significance extends far beyond a novelty match. Tennis represents an ultimate pressure test for embodied AI, demanding real-time integration of perception, decision-making, full-body motion control, and live博弈 within fractions of a second—a stark contrast to the discrete, contemplative environment of board games like Go mastered by AlphaGo. It directly confronts Moravec's paradox, showcasing AI's move from digital cognition to physical execution. This capability is powered by Galaxy General's proprietary "Galaxy Star Brain" (AstraBrain) model. Its key innovation is a unified architecture that integrates high-level task understanding/tactical decision-making ("brain") and dynamic whole-body motion control ("cerebellum") into a single model, eliminating latency and information loss between separate modules. The model was trained using a two-step process via the "Galaxy Star Workshop" platform. First, it learned foundational movement priors from "imperfect" human motion data (both amateur and professional). Second, it underwent massive-scale evolution in a virtual tennis simulator where multiple AI agents played millions of games against each other. Through this adversarial training, skills like极限救球and recovery from falls emerged autonomously without explicit programming, before being transferred to the physical robot. This "AstraTennis" moment symbolizes a major leap: a decade after AlphaGo conquered the digital world, embodied AI from China has now demonstrated it can operate under the extreme, unpredictable physical pressures of real-world competition.

marsbit3 h fa

Just Now, The World's First Human vs. Robot Tennis Match Begins, Robot's Desperate Save Leaves Zheng Jie Astonished

marsbit3 h fa

Trading

Spot

Articoli Popolari

Come comprare ACH

Benvenuto in HTX.com! Abbiamo reso l'acquisto di Alchemy Pay (ACH) semplice e conveniente. Segui la nostra guida passo passo per intraprendere il tuo viaggio nel mondo delle criptovalute.Step 1: Crea il tuo Account HTXUsa la tua email o numero di telefono per registrarti il tuo account gratuito su HTX. Vivi un'esperienza facile e sblocca tutte le funzionalità,Crea il mio accountStep 2: Vai in Acquista crypto e seleziona il tuo metodo di pagamentoCarta di credito/debito: utilizza la tua Visa o Mastercard per acquistare immediatamente Alchemy PayACH.Bilancio: Usa i fondi dal bilancio del tuo account HTX per fare trading senza problemi.Terze parti: abbiamo aggiunto metodi di pagamento molto utilizzati come Google Pay e Apple Pay per maggiore comodità.P2P: Fai trading direttamente con altri utenti HTX.Over-the-Counter (OTC): Offriamo servizi su misura e tassi di cambio competitivi per i trader.Step 3: Conserva Alchemy Pay (ACH)Dopo aver acquistato Alchemy Pay (ACH), conserva nel tuo account HTX. In alternativa, puoi inviare tramite trasferimento blockchain o scambiare per altre criptovalute.Step 4: Scambia Alchemy Pay (ACH)Scambia facilmente Alchemy Pay (ACH) nel mercato spot di HTX. Accedi al tuo account, seleziona la tua coppia di trading, esegui le tue operazioni e monitora in tempo reale. Offriamo un'esperienza user-friendly sia per chi ha appena iniziato che per i trader più esperti.

208 Totale visualizzazioniPubblicato il 2024.12.10Aggiornato il 2026.06.02

Discussioni

Benvenuto nella Community HTX. Qui puoi rimanere informato sugli ultimi sviluppi della piattaforma e accedere ad approfondimenti esperti sul mercato. Le opinioni degli utenti sul prezzo di ACH ACH sono presentate come di seguito.