# 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.

Bankless: A Comprehensive Analysis of the Five Key Points in the U.S. Senate's Draft 'Crypto Market Structure Bill'

The U.S. Senate's proposed Digital Asset Market Clarity Act (DAMCA) introduces a comprehensive regulatory framework for cryptocurrencies, jointly overseen by the SEC and CFTC. Key provisions include a ban on interest payments for stablecoin holders, clear criteria for classifying tokens as securities or commodities, and stringent regulations for DeFi protocols based on their level of decentralization. The bill also establishes a "Micro-Innovation Sandbox" for small startups to test innovations under regulatory exemptions and imposes strict rules on digital asset ATMs, requiring detailed reporting and consumer disclosures. The 278-page draft reflects bipartisan negotiations and aims to provide regulatory clarity while addressing industry and consumer protection concerns.

比推01/13 23:32

Bankless: A Comprehensive Analysis of the Five Key Points in the U.S. Senate's Draft 'Crypto Market Structure Bill'

比推01/13 23:32

Farewell to the Altcoin Boom Cycle: Delphi Digital's Top 10 Predictions for the 2026 Crypto Market

Delphi Digital's "10 Predictions for 2026" outlines a transformative future for crypto, moving beyond altcoin cycles toward institutionalization and infrastructure maturity. Key predictions include: AI agents will autonomously conduct transactions via protocols like x402 and ERC-8004; Perp DEXs like Hyperliquid will consolidate traditional finance roles; prediction markets will become mainstream hedging tools; ecosystems will reclaim stablecoin revenue from issuers; DeFi will solve uncollateralized lending using zkTLS proofs; on-chain FX will gain traction in emerging markets; gold and Bitcoin will lead as fiat hedges amid monetary debasement; major exchanges will evolve into "everything apps" with broad financial services; privacy infrastructure will become critical for adoption amid regulatory pressure; and altcoin returns will be selective, favoring tokens with real utility, ETFs, and economic activity. The report concludes that crypto is becoming a foundational layer of global finance.

比推01/13 21:26

Farewell to the Altcoin Boom Cycle: Delphi Digital's Top 10 Predictions for the 2026 Crypto Market

比推01/13 21:26

The Truth About the Crypto Money Printer: Want to Make Money in 2026? Keep an Eye on These Three Directions

The article "Crypto’s Revenue Recipe" analyzes the revenue generation landscape in the crypto industry, highlighting key trends and drivers based on data from 2025. Total crypto protocol revenue doubled to over $16 billion in 2025, with stablecoin issuers like Tether and Circle dominating, accounting for 60% of total revenue. However, perpetual DEXs (e.g., Hyperliquid, EdgeX) emerged significantly, contributing 7-8% of industry revenue. Three core drivers are identified for 2026: 1. **Carry**: Revenue from holding and transferring assets (e.g., stablecoin interest earnings), though vulnerable to Fed rate cuts. 2. **Execution**: Perpetual DEXs gain traction by enabling low-friction, high-frequency trading and liquidity provision, challenging stablecoin dominance. 3. **Distribution**: Token launch platforms (e.g., pump.fun) leverage frictionless asset creation and distribution to capture incremental revenue. The article emphasizes the shift towards value transfer to token holders, with 19% of protocol revenue distributed via staking, dividends, buybacks, or burns in 2025—a sign of growing "economic ownership" rather than mere governance. Projects like Hyperliquid and pump.fun are cited for prioritizing holder rewards. In 2026, value distribution is expected to become standard for protocols aiming for fundamental-based token valuation.

比推01/13 18:54

The Truth About the Crypto Money Printer: Want to Make Money in 2026? Keep an Eye on These Three Directions

比推01/13 18:54

0xTodd's Investment Philosophy: Bitcoin + U.S. Bonds, a Portfolio That Lets You 'Sleep Soundly' Long-Term

English Summary: 0xTodd, partner at Nothing Research and co-founder of Ethereum staking pool EBunker, shares his investment philosophy and crypto journey in this interview. He entered crypto in 2017 after recognizing Bitcoin's real-world utility during the "WannaCry" ransomware event. His research methodology, shaped by his background in materials chemistry, emphasizes verifiable conclusions and welcomes external critique. He famously correctly predicted the collapse of Luna/UST in 2022, profiting from this structural insight. Todd's core investment thesis is a "sleep-well-at-night" portfolio: Bitcoin + US Treasury bonds. The logic is a complete hedge: if central banks keep printing money, Bitcoin benefits; if they stop, high-yield bonds provide stable returns. He identifies stablecoins as crypto's second "killer app," particularly those backed by real-world assets like US debt (e.g., BMRUSD), for their utility in global payments and settlements. On AI, he sees crypto as a natural solution for AI economy transactions, providing the necessary programmable, permissionless settlement layer. His advice for newcomers is to learn core technology (Bitcoin, Ethereum, DeFi) before trading. Key 2026 trends he identifies are: Crypto finding its role alongside AI (productivity vs.生产关系), stablecoin adoption expanding, and合规ization bringing institutional capital. Ultimately, Todd believes long-term success in crypto comes from slow, structural thinking and understanding the underlying mechanisms, not chasing narratives.

marsbit01/13 14:06

0xTodd's Investment Philosophy: Bitcoin + U.S. Bonds, a Portfolio That Lets You 'Sleep Soundly' Long-Term

marsbit01/13 14:06

BlackRock and Visa's Big Bet on Stablecoins: What Do the Smart Money See?

The stablecoin market reached a historic high of $317 billion in January 2026, but the real story lies in the strategic moves by major financial institutions. BlackRock launched BUIDL, a tokenized money market fund on a public blockchain, surpassing $2 billion by late 2025, highlighting the drive for efficiency, lower costs, and broader accessibility. USDC, growing 73% in 2025, outpaced USDT’s 36% growth, driven by regulatory clarity from the U.S. GENIUS Act and EU’s MiCA compliance, making it the preferred choice for regulated entities like Visa, which integrated USDC for settlements. Visa’s adoption reflects a defensive strategy against stablecoins disrupting cross-border payments, with stablecoin transaction volumes reaching $46 trillion in 2025. Other payment giants, including Stripe and PayPal, are also aggressively entering the space. Meanwhile, banks like JPMorgan are leveraging blockchain for internal efficiency, processing over $3 billion daily via its JPM Coin system. Key trends include the rapid growth of real-world asset (RWA) tokenization, a clear regulatory path favoring compliant stablecoins, the restructuring of payment infrastructure, and market bifurcation into payment-focused (e.g., USDC) and yield-bearing stablecoins (e.g., Ondo’s USDY). This shift marks stablecoins' evolution from a crypto niche to a foundational component of the global financial system.

marsbit01/13 14:00

BlackRock and Visa's Big Bet on Stablecoins: What Do the Smart Money See?

marsbit01/13 14:00

Stablecoin Panic? Professor Says Banks Are Chasing Myths, Not Facts

Columbia Business School professor Omid Malekan challenges five banking industry myths about stablecoin yields, arguing that concerns holding up market structure legislation are unsubstantiated. He refutes claims that stablecoins automatically drain bank deposits or harm lending, noting that reserves are often held in Treasuries and bank accounts, which can support banking activity. Malekan emphasizes that the core issue is who captures the interest on reserve assets—banks or crypto issuers. As the Senate Banking Committee prepares to mark up a bill, community banks push to restrict yield-sharing with stablecoin users, warning of deposit flight, while negotiations continue over potential compromises.

bitcoinist01/13 13:31

Stablecoin Panic? Professor Says Banks Are Chasing Myths, Not Facts

bitcoinist01/13 13:31

80% of Oil Revenue Settled in Stablecoins, Venezuela Turns USDT into a Second Dollar

Venezuela is increasingly using USDT, a dollar-pegged stablecoin, to settle up to 80% of its oil export revenue, as the country seeks to bypass U.S. sanctions and a collapsing traditional banking system. At the same time, USDT has become a financial lifeline for ordinary Venezuelans grappling with hyperinflation of the bolivar and strict capital controls. They use it for remittances, savings, and daily transactions—from paying building fees to haircuts. While Tether, the issuer of USDT, has cooperated with U.S. authorities to freeze wallets linked to sanctioned oil trade, the stablecoin’s role reflects a broader reality: it serves both as a tool for evading financial controls and as a critical means of survival in an economy with broken institutions. The situation underscores the dual nature of stablecoins—operating in regulatory gray zones while providing essential services where traditional systems fail.

marsbit01/13 12:09

80% of Oil Revenue Settled in Stablecoins, Venezuela Turns USDT into a Second Dollar

marsbit01/13 12:09

Bank of Italy Warns ETH Price Crash Could Disrupt Ethereum Network

A Bank of Italy study warns that a severe crash in Ethereum's price could cause the entire network to fail, potentially freezing over $800 billion in assets, including stablecoins and tokenized bonds. The risk stems from Ethereum’s validator-based economy: if ETH’s value drops too low, validators may stop processing transactions due to unprofitable operations, halting the network’s ability to finalize transactions. This would render all on-chain assets immovable, even if they are inherently trustworthy. Additionally, a lower ETH price makes the network cheaper to attack, as the cost to manipulate transactions decreases significantly. In such a crisis, moving assets off-chain would be difficult due to fragile bridges and locked DeFi apps, with no central authority to intervene. The report emphasizes that since real financial assets are built on Ethereum, a crypto crash could spill over into traditional finance, and may lead regulators to require backup systems and external record-keeping.

TheNewsCrypto01/13 11:16

Bank of Italy Warns ETH Price Crash Could Disrupt Ethereum Network

TheNewsCrypto01/13 11:16

How to Uncover New Wealth Opportunities? Renowned Independent Crypto Analyst Releases Top 10 Predictions for 2026

In this article, independent crypto analyst Miles Deutscher shares his top 10 predictions for the cryptocurrency market in 2026. Key forecasts include Bitcoin ending the year higher than it started, potentially above $90,000, though a parabolic surge beyond $150,000 is uncertain. He anticipates that institutional investors will continue to drive the market more than retail, emphasizing the importance of tokens with strong revenue models and real utility. Major growth is expected in several sectors: prediction markets could see a 5x volume increase, perpetual futures trading will expand beyond crypto into stocks and metals, and ICO participation will hit new highs due to favorable regulations. Real-World Assets (RWA) are predicted to have their second-biggest year, while neobanks leveraging crypto and stablecoins are poised for exponential growth as infrastructure improves. The intersection of AI and crypto is highlighted as a major narrative, with advancing technology enabling practical applications in agents, data, and automation. Additionally, stablecoin supply is projected to grow by over 50%, fueled by regulatory developments like the U.S. Clarity Act. Deutscher encourages readers to focus on fundamental value and emerging narratives to capture upside opportunities.

marsbit01/13 07:38

How to Uncover New Wealth Opportunities? Renowned Independent Crypto Analyst Releases Top 10 Predictions for 2026

marsbit01/13 07:38

Senate Ag Delays Crypto Market Structure Markup to Late January

The US Senate Agriculture Committee has delayed its markup of a major cryptocurrency market structure bill to the late January, as more time is needed to finalize details and secure bipartisan support. The legislation is critical for clarifying the regulatory roles of the CFTC and SEC over digital assets. Key unresolved issues include disputes over prohibiting stablecoin yields and incorporating strong ethics rules. Despite progress, political factors and the 2026 mid-term elections could further delay the bill's passage, with some predictions suggesting it may not be implemented until 2029.

TheNewsCrypto01/13 06:41

Senate Ag Delays Crypto Market Structure Markup to Late January