# Сопутствующие статьи по теме Blockchain

Новостной центр HTX предлагает последние статьи и углубленный анализ по "Blockchain", охватывающие рыночные тренды, новости проектов, развитие технологий и политику регулирования в криптоиндустрии.

The War Between Stablecoins and Banking May Not Actually Exist

The article argues that the perceived war between stablecoins and traditional banking is largely illusory, drawing a parallel to the "Javon's Paradox" where technological efficiency (like ATMs) expands, rather than shrinks, an industry. From the supply side, blockchain and stablecoins are dismantling fragmented global payment infrastructures, replacing them with a single, open ledger. This drastically reduces the cost and complexity of offering financial services, enabling companies like Sling Money to operate globally with a small team. Examples like M-Pesa in Kenya and UPI in India show that lowering transaction costs to near zero leads to a massive expansion in financial inclusion, serving previously unbanked populations. On the cost side, the piece highlights the immense compliance burden on banks, which spend hundreds of billions annually on tasks like auditing and reconciling opaque transactions across correspondent banks. Shared ledger technology directly solves this by providing a single source of truth, eliminating reconciliation layers. Projects like J.P. Morgan's Onyx and the Canton Network demonstrate how banks are using this technology to achieve near-instant settlement and free up trapped capital. The convergence of these forces—lower barriers to entry and reduced internal operational costs—points to a future where more financial services are available to more people at a lower cost, much like cloud computing democratized access to computing power. The conclusion is that stablecoins will not destroy the banking system but will instead become a foundational infrastructure upon which more products are built, ultimately expanding the entire market.

Odaily星球日报02/23 12:47

The War Between Stablecoins and Banking May Not Actually Exist

Odaily星球日报02/23 12:47

Crypto’s Investable Universe Is Shrinking: NYDIG

According to NYDIG's Head of Research Greg Cipolaro, the crypto industry's investable universe is shrinking as markets mature. He argues that only a limited set of blockchain applications can attract sustained capital, suggesting the broader Web3 vision may need recalibration. Investors are now focusing on applications that extend traditional financial products onto blockchain infrastructure, including Bitcoin, tokenized assets, stablecoins, select DeFi infrastructure, and general-purpose blockchains like Ethereum. Cipolaro emphasizes that blockchain’s core attributes—trustlessness, permissionlessness, and censorship resistance—align best with financial use cases, where they provide clear advantages over centralized systems. He notes that most non-financial applications, such as gaming or social media, don’t require global immutable ledgers and are more efficiently served by centralized alternatives. This shift has led to capital concentration around fewer, stronger narratives, increasing Bitcoin’s market dominance while reducing investment in speculative altcoins. Cipolaro views this trend as market consolidation rather than collapse, with a focus on economically sustainable applications. A smaller, more durable market grounded in financial utility may enhance long-term stability and attract institutional interest. The crypto space may ultimately function as a specialized financial technology layer rather than a comprehensive Web3 overhaul. The next phase of development will likely emphasize real-world utility, regulatory clarity, and prudent capital allocation over rapid narrative expansion.

TheNewsCrypto02/23 09:02

Crypto’s Investable Universe Is Shrinking: NYDIG

TheNewsCrypto02/23 09:02

AI Payment Undercurrents: Google Brings 60 Allies, Stripe Builds Its Own Entire Road

The AI payment war is intensifying as major tech companies race to control the infrastructure for AI-driven transactions. Google has formed an alliance with over 60 traditional financial and tech companies, including Mastercard and PayPal, to establish the "AI Agent Payment Protocol." Meanwhile, Stripe has taken a more independent approach by acquiring key companies like Bridge (for stablecoin capabilities) and Privy (for wallet technology), co-developing the Tempo blockchain with Paradigm, and launching the Agentic Commerce Protocol (ACP) with OpenAI. This allows AI platforms like ChatGPT to enable seamless, in-chat payments without redirecting users. At the heart of the conflict is the "toll" for processing AI transactions. Stripe’s strategy involves building a full-stack solution—from stablecoin accounts and blockchain infrastructure to banking licenses—while Google’s coalition relies on established financial networks. Notably, Circle and its USDC stablecoin emerge as a likely winner regardless of which camp dominates, as both ecosystems depend on compliant, auditable digital dollars for settlement. The broader implication is the need for a financial system capable of supporting autonomous AI agents conducting economic activities. While Stripe envisions a future where AI handles end-to-end transactions, Google’s alliance prefers integrating AI with existing human-centric systems. Regardless, the adoption of stablecoins for AI payments is accelerating, with regulatory and consumer protection questions remaining unresolved. The infrastructure is being built rapidly, and the toll collection has already begun.

marsbit02/23 07:34

AI Payment Undercurrents: Google Brings 60 Allies, Stripe Builds Its Own Entire Road

marsbit02/23 07:34

Interaction Collection | Mahojin Check-in to Earn Points; KAIO Waitlist Application (February 23)

Original Author: Asher (@Asher_ 0210) from Odaily Planet Daily (@OdailyChina) **Mahojin** An AI infrastructure platform aiming to become the "GitHub" for AI model creators and dataset developers. It enables intellectual property tracking and compensates original contributors. On April 1, 2025, Mahojin announced a $5 million funding round co-led by a16z CSX and Maelstrom. **Interaction Guide:** 1. Visit the official website, sign in, and link your X account. 2. Click "MAHO Points" and complete daily check-ins to earn points. 3. Upgrade your plan for additional point bonuses. **KAIO** A Layer 1 blockchain focused on institutional-grade RWA tokenization. In 2023, KAIO raised $11 million in funding, led by Laser Digital (Nomura’s digital asset subsidiary) and WebN Group. **Interaction Guide:** 1. Join the waitlist by connecting your wallet and submitting required information. 2. Complete related tasks on Galxe. **Edgen** An intelligent trading assistant for crypto assets, providing real-time market intelligence and actionable trading insights for retail and institutional traders. It has raised a total of $11 million across two funding rounds, with investments from Framework Ventures and North Island Ventures. **Interaction Guide:** 1. Log in via X account on the official website. 2. Complete daily check-in tasks in the "Task Center." 3. Additional tasks include beginner, weekly, and social missions.

Odaily星球日报02/23 02:43

Interaction Collection | Mahojin Check-in to Earn Points; KAIO Waitlist Application (February 23)

Odaily星球日报02/23 02:43

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