# 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.

2026, Survive: A Manual for Crypto Enthusiasts on Bear Market Survival and Counterattack

Surviving 2026: A Crypto Bear Market Survival and Counterattack Guide As the crypto market remains stagnant around $85,000-$90,000, this guide offers strategies for navigating the prolonged bear market. Key recommendations include: 1. **Diversify into Stocks (Stocks + Crypto Strategy):** With liquidity flowing into the rising U.S. stock market and AI bubble, investors are advised to engage in "stock-token co-cultivation." Utilize traditional brokerages or tokenized stock platforms (e.g., MSX.com, xStocks) to apply crypto trading experience (e.g., news trading) to equities, especially crypto-concept stocks, for arbitrage opportunities. 2. **Invest in Commodities:** Given ongoing global geopolitical tensions, traditional safe-haven assets like gold, silver, and strategic metals (copper, lithium) are expected to continue rising. Investors can gain exposure through tokenized assets or direct investment. 3. **Adopt Defensive Yield Strategies:** For capital preservation, a three-pronged approach is recommended: * **Staking:** Earn yields on mainstream coins (ETH, SOL) via exchanges or vetted DeFi protocols, being cautious of platform risks. * **Lending:** Use established lending protocols like Aave (Ethereum) and Kamino (Solana) for stable returns. * **Fixed Investment & CEX Promotions:** Regularly invest (DCA) into major cryptocurrencies and actively participate in high-yield deposit/earn campaigns on centralized exchanges (e.g., Binance, OKX), which offer substantial subsidies during market lulls. 4. **Explore Prediction Markets:** Prediction markets (e.g., Polymarket, Kalshi) are poised for significant growth, potentially reaching $100B in monthly volume, driven by events like the World Cup and U.S. mid-term elections. Strategies include "buying early" on high-probability outcomes or following successful bettors, while avoiding risky "sweeping the tail" bets. The guide concludes by highlighting the growing convergence of AI and crypto, specifically the x402 protocol on Solana, which is advancing AI-powered payments and stablecoins. The core message is to build resilient, diversified income streams to survive the bear market and be prepared for the next bull run.

marsbit12/28 04:25

2026, Survive: A Manual for Crypto Enthusiasts on Bear Market Survival and Counterattack

marsbit12/28 04:25

2026, Survive: A Manual for Crypto Enthusiasts on Bear Market Survival and Counterattack

"Surviving 2026: A Bear Market Survival and Counterattack Guide for Crypto Participants" This article provides strategic advice for navigating the prolonged crypto bear market of late 2025, characterized by stagnation between $85k-$90k for Bitcoin and declining retail activity. The author, a seasoned participant, outlines a multi-faceted approach. Key strategies include: * **Crypto-Stock Dual Strategy:** With liquidity drawn to rising AI-inflated stock markets, engaging with both asset classes is now essential. Investors should leverage their crypto-honed news trading skills in traditional markets via brokers or tokenized stock platforms (e.g., MSX.com, xStocks). * **Commodities as a Hedge:** Amidst tense global macro-political tensions, precious metals (gold, silver) and strategic resources (copper, lithium) are predicted to continue rising, serving as reliable hard assets. These can be accessed via tokenized assets. * **Defensive Yield Strategies:** For capital preservation, a combination of staking (on exchanges or within ETH/SOL ecosystems), lending on robust DeFi protocols (e.g., Aave, Kamino), and participating in high-yield CEX deposit/earn programs is recommended to build "anti-fragile" income streams. * **Betting on Prediction Markets:** With major events like the World Cup and US mid-term elections, prediction markets (e.g., Polymarket's upcoming token launch) are poised for significant growth. Strategies involve "buying early" on probable outcomes or following successful bettors, while avoiding risky "sweeping the tail" bets. The conclusion highlights the growing convergence of AI and crypto, specifically pointing to Solana's prioritization of the x402 protocol for AI-powered payments as a key trend for 2026. The overarching message is to diversify strategies, preserve capital, and stay agile to survive the downturn and capitalize on the next bull market.

Odaily星球日报12/28 04:24

2026, Survive: A Manual for Crypto Enthusiasts on Bear Market Survival and Counterattack

Odaily星球日报12/28 04:24

Just 1–2% – Here’s how retirement funds can change crypto forever

Retirement funds, traditionally risk-averse, are beginning to explore crypto despite its volatility and regulatory uncertainties. While pensions prioritize stability and fiduciary duty, crypto’s double-digit swings and uneven regulations have been major barriers. However, institutional involvement—led by firms like BlackRock—is starting to change the landscape. The introduction of Bitcoin and Ethereum ETFs has attracted significant capital, bringing stricter oversight, custody standards, and risk management practices. Even a small 1–2% allocation from pension funds could further mature the market, reduce extreme volatility, and encourage broader regulatory clarity, making crypto more systemically integrated and less speculative over time.

ambcrypto12/27 20:02

Just 1–2% – Here’s how retirement funds can change crypto forever

ambcrypto12/27 20:02

Institutional Dawn and Cycle's End: Deciphering the Core Narratives and Divergences of Eight Top Crypto Institutions for 2026

The 2026 crypto market is shifting from a retail-driven, halving-centric cycle to an institutional paradigm, according to reports from eight major firms. The traditional four-year cycle is breaking down due to institutional demand via ETFs, reducing Bitcoin's volatility and strengthening its role as a macro hedge. High-confidence narratives include stablecoins surpassing $1T in market cap and challenging traditional payment rails like ACH, and the emergence of AI-agent economies with micro-payments and "Know Your Agent" (KYA) frameworks. Prediction markets are also expected to grow significantly, potentially aided by regulatory changes. Key divergences exist: opinions are split on the sustainability of corporate Bitcoin treasuries (DATs), with some predicting a shakeout. The quantum computing threat is debated, and a major consolidation is expected among Layer 2 solutions, with many becoming "zombie chains." Non-consensus predictions include a resurgence of privacy coins, the return of regulated ICOs, and crypto stocks outperforming traditional tech giants. The 2026 investor must focus on blue-chip assets with real yield, understand new tech infrastructure, and distinguish lasting trends from short-term noise.

marsbit12/27 16:22

Institutional Dawn and Cycle's End: Deciphering the Core Narratives and Divergences of Eight Top Crypto Institutions for 2026

marsbit12/27 16:22

Institutional Dawn and the End of Cycles: Deciphering the Core Narratives and Divergences of Eight Top Crypto Institutions for 2026

The 2026 crypto market is shifting from a retail-driven, halving-based cycle to an institutional era, according to eight major crypto institutions. The traditional four-year cycle is breaking as Bitcoin ETFs shift demand from miners to institutional allocation. Bitcoin's volatility is predicted to drop below Nvidia's, signaling its maturation as a hedge against inflation. Key consensus narratives include: - Stablecoins surpassing $1T in market cap, potentially overtaking traditional payment networks like ACH. - AI agents driving micro-payments via protocols like Google’s AP2 and Coinbase’s x402, with "KYA" (Know Your Agent) replacing KYC. - Prediction markets growing to $100B+ in volume, fueled by regulatory advantages. Major divergences exist: - Digital Asset Treasuries (DATs) face a potential "great cleansing" with many failing, though some dismiss their impact. - Quantum computing is seen as an urgent threat by some but a non-issue by others. - Most Layer 2 chains may become "zombie chains" as liquidity consolidates to leaders. Non-consensus predictions include a privacy token resurgence, regulated ICOs returning, and crypto stocks outperforming tech giants. Investors must focus on blue-chip assets, real yields, and discerning long-term trends from short-term noise.

深潮12/27 09:53

Institutional Dawn and the End of Cycles: Deciphering the Core Narratives and Divergences of Eight Top Crypto Institutions for 2026

深潮12/27 09:53

Weekly Editor's Picks (1220-1226)

Weekly Editor's Picks (Dec 20-26) by Odaily Planet Daily features curated insights from the past week. Key topics include: - **Investing & Startups**: Bitcoin underperformed gold and U.S. stocks in 2025, attributed to liquidity flows into AI-driven assets and reduced volatility via ETFs. The U.S. may use crypto to manage its $37 trillion debt. The market is shifting from retail to institutional dominance, with only 15% of new tokens gaining value post-launch. Advice for 2026: lower fundraising targets, focus on product, and embrace realism. - **Stablecoins & Payments**: Top 1,000 wallets control 84% of stablecoin transaction volume, highlighting centralization risks. - **Prediction Markets**: Kalshi’s report shows crowd consensus outperforms Wall Street in complex forecasts like CPI. - **Bitcoin & Ethereum**: Bitcoin’s 2025 development focused on quantum threat defense, layered functionality, and decentralized infrastructure. ETHGas introduced futures and pre-confirmations for block space, enhancing cost certainty. - **CeFi & DeFi**: Coinbase and Robinhood are evolving into super-apps, integrating stocks, crypto, futures, and prediction markets. Fixed-rate lending remains niche in DeFi due to user behavior misalignment. Aave captures more value than protocols built on it, sparking governance debates. - **Also Covered**: Polymarket’s migration from Polygon, meme coin performance, and weekly highlights including U.S. crypto integration progress, regulatory updates, and security incidents.

marsbit12/27 02:17

Weekly Editor's Picks (1220-1226)

marsbit12/27 02:17

Written at the End of 2025: Code, Power, and Stablecoins

By the end of 2025, stablecoins have firmly established themselves, with a market cap surpassing $300 billion—a growth of nearly $100 billion in under a year. This growth reflects institutional confidence, with major banks projecting multi-trillion dollar valuations in the coming years. Stablecoins are no longer just a crypto narrative but a fundamental shift in monetary infrastructure, built on code and verifiable trust rather than opaque intermediaries. The failure of Synapse highlighted the risks of traditional fintech: hidden counterparty risk and unverifiable accounting. In contrast, self-custodied stablecoins eliminate intermediary risk, though issuer risk remains—mitigated by transparent reserve proofs and on-chain monitoring. Stablecoins enable global reach from day one, bypassing the need for localized banking infrastructure. The bottleneck remains fiat on/off-ramps, but modular solutions allow for gradual integration. New purpose-built blockchains like Tempo and Arc aim to optimize payments but face trust barriers compared to battle-tested networks like Ethereum and Solana. Agentic finance presents a near-term opportunity in automating mundane financial tasks, with smart contracts enabling secure, permission-bound automation. However, security remains critical: rapid growth must not compromise operational rigor. Privacy is another key challenge, as real-world business adoption requires selective disclosure—proving compliance without exposing sensitive data. The true potential of stablecoins lies beyond replicating existing fintech—it’s in unlocking programmable money, internet-native capital markets, and reimagining financial services through verifiable, autonomous systems.

比推12/26 19:38

Written at the End of 2025: Code, Power, and Stablecoins

比推12/26 19:38

Challenging Traditional Banks: FIN Captures the Large Payment Market with Instant Settlement and Low Fees

FIN, a startup founded by former Citadel employees, is challenging traditional banks by offering instant, low-fee, high-value cross-border payments using stablecoin technology. Initially launched as TipLink, a lightweight tool for crypto transfers via URLs, the company has rebranded and refocused on serving businesses and high-net-worth individuals with transactions worth millions of dollars. In December 2025, FIN raised $17 million in a Series A round led by Pantera Capital, with participation from Sequoia Capital and Samsung Next. The platform uses USDC as its settlement medium, enabling seamless conversion between fiat and digital assets while abstracting away technical complexities like gas fees and private keys. FIN aims to generate revenue through lower transaction fees compared to traditional alternatives and interest earned on stablecoins held in user wallets. With a team featuring backgrounds from Citadel, Google, Meta, and Chime, FIN is positioned to enhance efficiency in global trade and corporate finance through its institutional-grade payment solutions. Pilot programs for import-export businesses are expected to launch soon.

比推12/26 15:22

Challenging Traditional Banks: FIN Captures the Large Payment Market with Instant Settlement and Low Fees

比推12/26 15:22

How Are Stablecoins Evolving from Crypto Assets to New Payment Infrastructure?

"Stablecoins: From Crypto Assets to the Infrastructure of Next-Generation Payments" The article explores the evolution of stablecoins, tracing their journey from speculative crypto assets to foundational infrastructure for global payments. The narrative is framed through the experience of Raj Parekh, former head of Visa's cryptocurrency division and now leading payments at Monad. The pivotal moment was Facebook's 2019 Libra project, which forced traditional finance to seriously consider crypto. At Visa, Parekh's team pioneered using USDC on Ethereum for settlements, solving major inefficiencies like the slow, costly T+2 settlement cycles and the need for large pre-funded accounts. A key insight was that while the technology was powerful, the underlying infrastructure was immature. Parekh left to found Portal Finance, aiming to abstract away blockchain's complexity for developers. However, he encountered a fundamental bottleneck: the need for a high-performance, EVM-compatible chain to make payments truly viable at scale. This led to Portal's acquisition by Monad Foundation. The article highlights a major shift in stablecoin business models. Early issuers like Tether and Circle profited from the interest on reserve assets. Newer models, accelerated by legislation like the GENIUS Act, are passing this yield directly to users, creating a new financial primitive: money that earns interest even while being transacted. This infrastructure enables a new era of global fintech, allowing companies to build for a worldwide audience from day one, unlike traditional banks limited by geography. The future excites Parekh most in two areas: the convergence of AI Agents with high-frequency finance for microsecond transactions, and the fusion of investment and payment accounts into a single, abstracted user experience. The ultimate goal is a future where value moves at the speed of the internet, as seamlessly as sending an email, completely invisible to the end-user.

比推12/26 15:17

How Are Stablecoins Evolving from Crypto Assets to New Payment Infrastructure?

比推12/26 15:17

Crypto Market Trends from Pantera Capital. What Will Be Relevant in 2026

Pantera Capital's partner, Joey Yu, outlines key crypto trends for 2026. Major developments include the integration of AI into consumer crypto services for analytics and autonomous trading, the growth of capital-efficient on-chain lending with AI-driven credit scoring, and the expansion of gold-backed stablecoins as a key RWA segment. Prediction markets will bifurcate into financial (DeFi-integrated) and cultural (community-focused) sectors. The x402 protocol will evolve into a mainstream crypto payment solution, with Solana leading in transaction volume. Privacy-as-a-Service offerings will emerge for enterprises, and the threat of quantum computing will push institutions to secure old Bitcoin holdings. The DAT company market will consolidate, and governance token models will be challenged by new equity-like structures. Hyperliquid is predicted to dominate the perpetual futures DEX market, while proprietary AMMs will become multi-chain and handle most of Solana's volume. Finally, major fintech firms will adopt stablecoins for cross-border payments.

RBK-crypto12/26 12:08

Crypto Market Trends from Pantera Capital. What Will Be Relevant in 2026

RBK-crypto12/26 12:08

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