# Stablecoins Related Articles

HTX News Center provides the latest articles and in-depth analysis on "Stablecoins", covering market trends, project updates, tech developments, and regulatory policies in the crypto industry.

Shrinking Salaries, Higher Barriers, Restricted Identities: Is Web3 Still Worth It in 2026?

"Salary Cuts, Higher Barriers, and Identity Constraints: Is Web3 Still Worth It in 2026?" Based on TT3 Labs' operational data from Q4 2025 to February 1, 2026, this report analyzes the shifting Web3 job market, particularly for Chinese-speaking candidates. Key findings indicate a significant influx of talent from traditional Web2 companies, driven by layoffs and industry restructuring. However, entry barriers have risen sharply. Even early-stage startups now often require bachelor's degrees or higher, with over 3% specifying preferences for top universities. The "big company halo" from firms like Alibaba has diminished in value compared to direct Web3 experience. Top centralized exchanges (CEXs), the largest employers, overwhelmingly prefer candidates with at least two years of industry-specific know-how over generalist tech experts from Web2, creating a high soft barrier for newcomers. This has led to a pragmatic, albeit exploitative, trend of experienced professionals taking low-paid or volunteer roles in small projects to gain crucial blockchain experience. The report highlights a major mismatch between employer needs and candidate expectations. While CEXs dominate hiring, they primarily seek talent for financial tech and risk control, not the decentralized ethos often associated with Web3. Furthermore, a phenomenon of "title compression" is observed, where managers from Web2 often accept senior individual contributor roles in Web3 due to flatter organizational structures and smaller team sizes. Job stability is low, with the average tenure in a Web3 role being just 8.6 months. Salaries are consolidating. The mainstream monthly salary on TT3's platform is between $3,000-$5,000 USD, paid in stablecoins, which is becoming a normalized practice. High salaries above $8,000 are reserved for a few core protocol or business development roles. The report notes that the era of high pay for everyone in Web3 is over. A growing challenge is "identity anxiety." Regulatory tightening in hubs like Singapore has caused visa issues, forcing companies and talent to migrate again. Consequently, more employers are adding location and nationality preferences to job postings, favoring candidates in Southeast Asia or those without certain geopolitical constraints. This is accelerating a geographic shift, with Southeast Asian IP addresses becoming more active on the platform. In conclusion, the Web3 job market in early 2026 is experiencing a painful return to normalcy. The promise of easy wealth has faded, replaced by higher barriers, more realistic salaries, and complex identity and regulatory challenges. Success now depends more on genuine belief and specialized skills than on hype.

marsbit17h ago

Shrinking Salaries, Higher Barriers, Restricted Identities: Is Web3 Still Worth It in 2026?

marsbit17h ago

ARK Invest: Will Stablecoins Become the Cornerstone of the Next Generation Monetary System?

ARK Invest explores whether stablecoins could become the cornerstone of the next monetary system, drawing parallels between today’s privately issued digital currencies and the free banking era in the U.S. prior to the Federal Reserve's establishment in 1913. The article highlights the emergence of Tether (USDT) in 2014 as a solution to slow cross-border dollar transfers in crypto markets. Initially used for arbitrage, stablecoins like USDT gained traction in emerging economies during the COVID-19 pandemic as a hedge against hyperinflation and currency devaluation. By 2025, USDT’s supply reached $187 billion, backed largely by U.S. Treasuries and serving over 450 million users globally. The discussion references the GENIUS Act, which legitimizes privately issued stablecoins, and features insights from Tether CEO Paolo Ardoino, economist Arthur Laffer, and ARK CEO Cathie Wood. Laffer compares modern stablecoins to 19th-century private banknotes but notes that technological and regulatory advances mitigate past risks like fraud and instability. Looking forward, stablecoins may evolve into interest-bearing instruments or be pegged to baskets of commodities. Tether is also expanding into commodity settlement and developing new stablecoins like USAT for developed markets. The piece concludes that stablecoins could modernize financial infrastructure, combining the efficiency of blockchain with the stability of asset-backed currencies.

marsbitYesterday 11:30

ARK Invest: Will Stablecoins Become the Cornerstone of the Next Generation Monetary System?

marsbitYesterday 11:30

Aave Founder Reveals: Why is Lending the Core of Financial Empowerment?

Chain-based lending, which began as an experimental concept around 2017, has grown into a market exceeding $100 billion, primarily driven by stablecoin borrowing secured by crypto-native collateral like Ethereum and Bitcoin. This system enables liquidity release, leveraged strategies, and yield arbitrage. Its success validates the real demand and product-market fit of automated, smart contract-based lending even before institutional adoption. A key advantage of on-chain lending is its significantly lower cost—around 5% for stablecoin loans compared to 7–12% in centralized crypto lending—due to the elimination of financial inefficiencies, intermediaries, and layered fees. This cost reduction stems from open capital aggregation, transparency, composability, and automation, which foster competition and real-time pricing. Innovations like Ethena’s USDe or Pendle integrate seamlessly, expanding the ecosystem without traditional overhead. The evolution follows a pattern seen in major disruptions: serving niche users first, competing on price before quality, and scaling rapidly. While current on-chain lending often recycles existing collateral for similar strategies, future growth depends on incorporating real-world economic value and tokenized assets, not just replicating traditional finance. Traditional lending remains expensive due to inefficiencies in origination, risk assessment, and servicing, misaligned incentives, and regulatory constraints. On-chain lending disrupts this by replacing processes with automation, discretion with transparency, and reconciliation with determinism. When fully software-native, it will offer a cheaper, faster backend for global borrowers, empowering broader access to capital and fostering new opportunities.

比推Yesterday 07:24

Aave Founder Reveals: Why is Lending the Core of Financial Empowerment?

比推Yesterday 07:24

Aave Founder: What is the Secret of the DeFi Lending Market?

Chain-based lending, which began as an experimental concept around 2017, has evolved into a market exceeding $100 billion, primarily driven by stablecoin borrowing backed by crypto-native collateral like Ethereum and Bitcoin. This system enables liquidity release, leveraged strategies, and yield arbitrage. The key advantage of on-chain lending lies not in technological novelty but in its elimination of financial inefficiencies, offering lower costs (around 5% for stablecoins) compared to centralized crypto lenders (7-12%) due to open capital aggregation, transparency, and automation. On-chain lending is structurally due to permissionless markets that excel in capital pooling and risk pricing, fostering competition and innovation without intermediaries. This model reduces operational costs, replacing manual processes with code, and benefits both capital providers and borrowers. However, the current limitation is not a lack of capital but a shortage of diverse, borrowable collateral. The future of on-chain lending depends on integrating real-world economic value with crypto-native assets, moving beyond abstract financial strategies to serve broader adoption. Traditional lending remains expensive due to inefficiencies in loan origination, risk assessment, and servicing, where misaligned incentives and manual processes inflate costs. Decentralized finance can disrupt this by automating end-to-end operations, ensuring transparency, and reducing expenses. When on-chain lending becomes significantly cheaper and more efficient than traditional systems, widespread adoption will follow, empowering borrowers with faster, more accessible capital. Aave exemplifies this shift, positioning itself as a foundational layer for a new financial backend.

marsbitYesterday 02:17

Aave Founder: What is the Secret of the DeFi Lending Market?

marsbitYesterday 02:17

Cobo 2025 Stablecoin Review and Outlook: From Crypto Narrative to Real Adoption

Cobo's 2025 Stablecoin Review and Outlook: From Crypto Narrative to Real Adoption Looking back from 2026, 2025 marked a pivotal "declaration of independence" for stablecoins, defined not by price volatility but by their quiet transformation into a fundamental global settlement medium operating natively on the internet. True adoption occurred not in retail payments but in high-frequency, efficiency-critical backend processes: corporate treasury management, cross-border settlements, and internal fund transfers. This real-world usage is driven not by crypto-enthusiasts but by risk-averse CFOs and financial teams prioritizing auditability, control, and traceability over decentralization. The report argues that real adoption is measured by stablecoins entering sustainable economic loops like payroll, B2B settlements, and recurring payments, not by market cap or transaction volume. A key finding is the stark geographic divergence in use cases: an efficiency tool in developed markets versus a survival mechanism against hyperinflation in emerging economies. Competitively, dollar-based stablecoins (like USDT and USDC) have become a digital extension of dollar hegemony, forcing non-US stablecoins into niche roles. The future battleground is shifting from issuance to compliant access points and connection rights. Key 2026 trends include: - **Financial Fragmentation:** The stablecoin market will split into compliant "clearing islands" and offshore "grey islands." - **Rise of the Machine Economy:** AI Agents (non-human accounts) will necessitate a shift from KYC to KYA (Know Your Agent). - **The Invisible Infrastructure:** The most successful stablecoins will be those that are transparent and unseen, embedded within applications. - **Apps as Banks:** Applications will evolve to perform bank-like functions (holding deposits, facilitating payments) without a bank license, competing on capital efficiency and turnover. - **Seamless Daily Use:** Integration with major payment networks (Visa/Mastercard) will enable direct spending of stablecoins without manual off-ramping, making them a true digital dollar for daily expenses. - **Advanced Compliance:** On-chain AML data will merge with off-chain identity, leading to standardized, professionalized compliance infrastructure offered as a service. The core conclusion is that stablecoin's greatest success lies in its invisibility, becoming the indispensable TCP/IP of finance—powering everything from behind the scenes.

marsbit2 days ago 10:56

Cobo 2025 Stablecoin Review and Outlook: From Crypto Narrative to Real Adoption

marsbit2 days ago 10:56

活动图片