# Stablecoins Related Articles

From Speculation to Utility: Why AI and Stablecoins Remain Unfazed by the Bear Market?

Despite the overall downturn in the cryptocurrency market in 2026, the AI and stablecoin sectors have outperformed, showing resilience and continued adoption. While Bitcoin price dropped by 18.5% and the total crypto market cap fell to $2.42 trillion, these two areas recorded significant growth in usage and market activity. Key data highlights include: - The AI token sector declined by only 14% in Q1 2026, the smallest drop among major categories. - Stablecoin total market cap reached a record $3.2 trillion, with monthly trading volume hitting $1.8 trillion in February 2026, also a historic high. USDC supply grew by 220% since November 2023, reaching $78 billion, while ChatGPT’s weekly active users increased tenfold to 900 million during the same period. Tether’s USDT remains the leading stablecoin with a $184 billion market cap. The convergence of AI and stablecoins is driven by structural trends: AI requires fast, low-cost payment systems, and stablecoins serve as ideal “internet money.” Both sectors benefit from real-world utility beyond speculation—AI enhances productivity and security, while stablecoins provide efficient global dollar distribution and settlement infrastructure. This shift reflects a broader market transition from speculation to practical, infrastructure-focused applications, positioning AI and stablecoins for sustained growth.

marsbit03/27 09:04

‘The question is how, not if’ – Reserve Bank of Australia’s 24/7 trading roadmap

The Reserve Bank of Australia (RBA) has shifted its focus from questioning "if" to "how" tokenization will be implemented in the financial system. Assistant Governor Brad Jones announced this change, highlighting that tokenization is now considered an inevitable future. The RBA's Project Acacia projects $16.7 billion in annual efficiency gains and supports the coexistence of stablecoins and bank deposits. Currently, the Australian dollar stablecoin market cap is relatively low at $10.5 million, with AUDD dominating at 98.73%. However, new regulations and the push for 24/7 trading are expected to spur growth. Tokenization pilot programs covered assets like government bonds and carbon credits, using both central bank and private tokenized money. The RBA will collaborate with regulatory bodies to support implementation, which could accelerate Australia's digital economy and stablecoin market.

ambcrypto03/27 00:02

Even with the CLARITY Act Pressure, Is the Market Overreacting to Circle's Stock Price?

Despite recent market concerns triggered by the CLARITY Act’s potential restrictions on interest payments to stablecoin users, Bitwise’s Matt Hougan argues that the sell-off in Circle’s stock may be an overreaction. Using conservative assumptions, he estimates that Circle—the issuer of USDC, the world’s second-largest stablecoin—could reach a $75 billion valuation by 2030. Key factors in this outlook include: - The stablecoin market is projected to grow to $1.9 trillion by 2030 (Citi base case), driven by utility in global payments and as a dollar alternative, not yield. - Circle currently holds 25% market share; Hougan expects it to maintain or even expand this position, especially in regulated markets. - Circle’s net yield (after distribution costs) is assumed to drop to 0.8% amid competition, though the CLARITY Act may actually support margins. Under these assumptions, Circle could generate ~$2.7B in net profit by 2030. Applying a market-average P/E multiple of 28x yields the $75B valuation—roughly double its current value. More bullish scenarios (larger market, higher share, or better margins) could lead to significantly higher valuations.

marsbit03/26 09:40

Dialogue with Robinhood VP: A Large Number of Users Buy the Dip, AI is Just a Tool

In a podcast interview, Robinhood's VP of Crypto and GM of International, Johann Kerbrat, discussed key trends and company strategies. He noted that during recent market volatility, many users bought the dip, highlighting Bitcoin's resilience and the advantage of 24/7 crypto trading. Robinhood is expanding its 24x5 equity trading to better serve global users and news-driven activity. The platform integrates stocks, crypto, options, futures, and prediction markets, allowing users to cross-utilize assets and create complex strategies, including hedging. Kerbrat emphasized accessibility and education over judging products. AI is heavily utilized internally for code generation, compliance, and market summaries (e.g., Cortex feature), accelerating development and personalization for international expansion. Robinhood is building an Ethereum L2 chain to enhance real-world asset (RWA) tokenization, aiming for instant settlement and 24/7 trading, currently testing with 2000 tokenized stocks in the EU under MiCA regulations. The recent Bitstamp acquisition expands institutional services like liquidity provision and white-label crypto solutions. Stablecoin usage on Robinhood is primarily for on/off-ramping and institutional settlements. The company joined the Global Dollar Network (USDG) to share stablecoin yields with users. Kerbrat sees AI as a tool to enhance, not replace, jobs, and highlights new family banking products for financial education and wealth transfer. Competition with rivals like Coinbase benefits consumers through lower fees.

marsbit03/26 07:53

Crypto’s $30 billion lending boom is changing the market – Here’s how

Crypto's lending sector, now valued at $30 billion, is emerging as a key pillar, shifting focus from Layer 1 blockchains like Ethereum and Tron. While L1s still dominate in value, lending protocols such as Aave and Morpho are at the center of a rapidly growing on-chain credit system. The rise of stablecoins as a medium of exchange and the expansion of tokenized assets are improving liquidity and market efficiency. This lending boom is creating a new "yield layer," where users earn returns through interest, leverage, and better capital utilization, turning holdings into productive assets.

ambcrypto03/26 06:45

2025 DeFi On-Chain Revenue $80 Billion Panorama: Half of Lending Demand Is Borrowing from Oneself

This analysis provides a comprehensive breakdown of the $8 billion in on-chain yields generated in DeFi in 2025. The five primary sources are: AMM trading fees ($4.2B), lending interest ($1.76B), perpetual funding rates ($300M), real-world assets ($600-900M), and staking/MEV rewards. A key finding is that approximately half of all borrowing demand is recursive, where users borrow to leverage other yield sources. The report highlights that 58% of stablecoin TVL yields less than 3% APY, below U.S. Treasuries. It also notes that significant potential yield sources like on-chain options and insurance remain underdeveloped. A case study of the Sky protocol (formerly MakerDAO) shows its success in offering a 3.75% savings rate by sourcing ~70% of its yield from off-chain, real-world assets.

marsbit03/26 06:06

CLARITY Act Rewrites DeFi's Fate: Circle Feasts, DeFi Tokens Bleed

The CLARITY Act proposes significant regulatory changes for stablecoins and DeFi, fundamentally redefining them as payment tools rather than interest-bearing assets. This shift prohibits platforms from offering yield to stablecoin holders, effectively ending the narrative of stablecoins as savings products. Circle (CRCL) emerges as a structural beneficiary, likely to see increased USDC adoption and improved profit margins as yield distribution to users is restricted. However, its growth may depend heavily on continued USDC expansion. In contrast, DeFi tokens like UNI, AAVE, COMP, and others face significant headwinds due to potential compliance requirements, reduced flexibility, and limitations on stablecoin usage in DeFi protocols. Maker (MKR) is positioned as an exception, benefiting from its yield-generating model through real-world assets and a semi-compliant structure. Meanwhile, Tether's potential move toward greater transparency could intensify competition for Circle but validate the stablecoin model overall. The act accelerates a trend of value redistribution from crypto-native channels (e.g., Coinbase, DeFi protocols) to regulated financial infrastructure, with winners including Circle, MKR, and custody providers like BitGo, while many DeFi assets face structural downside risks.

Odaily星球日报03/26 05:41

Swan Bitcoin Moves To Subpoena US Secretary Of Commerce And Cantor Fitzgerald –Details

Swan Bitcoin has requested a US court for permission to subpoena Cantor Fitzgerald and US Commerce Secretary Howard Lutnick (its former CEO) in a dispute involving Tether. The company alleges a conspiracy in mid-2024 where employees, including ex-CIO Raphael Zagury, collaborated with Tether personnel to undermine their joint venture, 2040 Energy. Following a mass resignation and alleged theft of documents, the defectors formed a new entity called Proton. Tether-appointed directors later approved the sale of the venture's mining assets to a Tether subsidiary at a significantly undervalued price. Swan claims Lutnick, introduced by Tether's Giancarlo Devasini, had access to confidential data and mining details before abruptly cutting contact. The firm seeks evidence for foreign legal proceedings against Tether executives.

bitcoinist03/26 00:02

Pundit Says Real XRP Adoption Is Here, What Investors Are Missing

A crypto pundit argues that real adoption of XRP is underway, though it's being overlooked by investors focused solely on price action. Despite XRP trading around $1.42 and facing price volatility, the XRP Ledger shows significant growth in real-world asset tokenization, holding over $804 million across five asset classes. This includes nearly $400 million in stablecoins (led by RLUSD) and $277.5 million in tokenized U.S. Treasury debt. Daily transactions on the ledger have tripled in the past year, indicating strong institutional adoption at the infrastructure level. However, these fundamental improvements have not yet been reflected in XRP's price performance in 2026.

bitcoinist03/25 22:02

Stablecoins move into payment infrastructure as Triple-A integrates Circle network

ambcrypto03/25 21:02