# Сопутствующие статьи по теме Stablecoin

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

L2's 'Card Swipe' Era: When the Scaling Narrative Ends, Payments Become the Lifeline

The article discusses the growing "payment card" trend among Layer-2 (L2) networks as a strategy to survive a severe user activity and transaction crisis. It begins with Solana's criticism of Starknet's low usage (allegedly only 8 daily active users and 10 transactions) despite its high valuation, highlighting a broader issue of low traffic across many L2s, as evidenced by data from L2BEAT and DefiLlama. Key examples include Zero Network, which stopped producing blocks for weeks with minimal impact, and networks like Linea, Starknet, Scroll, and ZKsync exhibiting very low Transactions Per Second (TPS). With Base and Arbitrum dominating 80% of the Total Value Locked (TVL), other L2s face a significant valuation-to-usage disparity. Facing a lack of killer dApps, L2s are turning to cryptocurrency payment cards to generate consistent on-chain activity. Unlike custodial cards from exchanges (which use chains like Tron or Solana for batch settlement), L2s are leveraging non-custodial cards that require on-chain settlement for each transaction. Examples include: - **Scroll**: Partnered with Etherfi for gasless transactions and cashback subsidies. - **Gnosis**: Its Gnosis Pay card converts user assets to stablecoins for euro payments. - **Linea**: Used as a primary settlement layer for the MetaMask card. This shift provides a high-frequency, sustainable use case, driving transaction volume. Even Polygon is pivoting to payments, citing significant non-USD stablecoin transfer volumes and major acquisitions like Coinme. The conclusion is that L2s, after various failed narratives, are now prioritizing practical, low-cost payment solutions to ensure their survival.

marsbit01/22 12:06

L2's 'Card Swipe' Era: When the Scaling Narrative Ends, Payments Become the Lifeline

marsbit01/22 12:06

U.S. Banks Push Congress to Restrict Stablecoins and Crypto Data Access

U.S. banks, led by the American Bankers Association (ABA), are urging Congress to impose restrictions on stablecoins and financial data access. They advocate for a ban on yield-bearing stablecoins, warning that such products could draw trillillions of dollars from bank deposits, reducing lending capacity and creating financial stability risks. Additionally, banks seek changes to Section 1033 banking rules to impose stronger liability rules and potential fees on data sharing, which currently allows users to connect bank accounts to crypto platforms. Crypto and fintech groups argue these efforts are anti-competitive, designed to protect banks from innovation, and could effectively kill open banking by blocking connections or charging fees. This dispute has delayed a key crypto market structure bill in the U.S. Senate.

TheNewsCrypto01/22 11:23

U.S. Banks Push Congress to Restrict Stablecoins and Crypto Data Access

TheNewsCrypto01/22 11:23

Ethereum's 'Barrier Lake' Moment: Fundamentals Up, ETH Down

Ethereum is experiencing a paradoxical "dammed lake" moment in 2026, with strong fundamental growth contrasting with stagnant ETH prices. Key metrics like staking scale, TVL, and stablecoin dominance have hit record highs, yet the token's value remains disconnected. The staking ecosystem has reached $120 billion, with 36 million ETH staked. However, centralization risks persist, as the top 5 providers control 48% of staked ETH. Vitalik Buterin has proposed a native DVT (Distributed Validator Technology) solution to enhance decentralization, security, and resilience against single points of failure. Ethereum's TVL surpassed $300 billion, reflecting a mature and diversified ecosystem. It maintains a 58% dominance in stablecoin market share, reinforcing its role as a global settlement layer. Regulatory developments like the "Genius Act" are expected to further boost institutional stablecoin adoption. Despite record-high transaction volumes (2.49 million daily average), low gas fees (0.03 Gwei) have enabled widespread "address poisoning" attacks, inflating on-chain activity without genuine demand. Additionally, L2 growth has come at the cost of mainnet revenue, with L2s paying only $10 million to Ethereum despite earning $129 million in 2025. A significant valuation disconnect exists: Ethereum hosts 59% of crypto's TVL but only 14% of its total market cap. This suggests ETH is deeply undervalued, as the network evolves into a "digital oil field" underpinning real-world asset (RWA) settlement and DeFi. The challenge lies in balancing decentralization, technical upgrades, and value capture while awaiting a potential market reassessment.

marsbit01/22 10:02

Ethereum's 'Barrier Lake' Moment: Fundamentals Up, ETH Down

marsbit01/22 10:02

Lazy Person's Guide to Wealth Management｜Cap Announces Stablecoin Airdrop, New Pool APY Rises; hyENA Increases LP Quota (January 22)

Lazy Investor's Guide: Cap Announces Stablecoin Airdrop, New Pools Offer High APY; hyENA Increases LP Quota (Jan 22) This article covers low-risk, stablecoin-focused yield opportunities for crypto investors. Key updates include: - **Exchange-based options**: Binance’s USD1 deposit campaign is ending, but Bitget’s collaboration with Arbitrum Morpho offers 9.2% APY on USDC/USDT with high liquidity (up to $400k per user). Limited-time high-yield campaigns like Unitas (37.04% APY) are also noted. - **On-chain Strategy 1: Pendle Cap LP**: Following Cap’s announcement of a cUSD stablecoin airdrop (Stabledrop) and new Homestead incentives, Pendle pools offer high yields. The cUSD LP yields up to 24.73% APY (with PENDLE staking) and 20x Cap points. The stcUSD LP offers up to 123% APY (likely to decay) and 5x points. - **On-chain Strategy 2: Exponent & RateX ONyc LP**: Onre’s insured stablecoin ONyc offers ~30.89% APY on Exponent (with Onre incentives, may drop to ~20%) and ~25% on RateX (with RTX rewards). Both offer bonus积分 multipliers. - **On-chain Strategy 3: hyENA LP**: Ethena’s hyENA increased its LP cap to $40M. While base APY is modest (~4.86%), it offers 70x Ethena points and 5x Upshift points, appealing for long-term Ethena supporters. Always consider smart contract and platform risks when participating in DeFi strategies.

Odaily星球日报01/22 09:56

Lazy Person's Guide to Wealth Management｜Cap Announces Stablecoin Airdrop, New Pool APY Rises; hyENA Increases LP Quota (January 22)

Odaily星球日报01/22 09:56

Hong Kong To Grant Stablecoin Licenses In Q1, Financial Secretary Reveals At Davos

Hong Kong's Financial Secretary Paul Chan announced at the World Economic Forum in Davos that the region will issue its first stablecoin licenses in Q1 of this year. This move aims to strengthen Hong Kong's position as a fintech hub. Chan emphasized the city’s "responsible and sustainable" regulatory approach, which balances innovation with strong safeguards for financial stability and investor protection. The HKMA has received 36 formal license applications from banks, tech firms, and Web3 startups, among others. The approval process will be stringent, with only a limited number of licenses granted initially. Hong Kong has already issued $2.1 billion in tokenized green bonds and established a licensing framework for virtual asset trading platforms.

bitcoinist01/22 09:03

Hong Kong To Grant Stablecoin Licenses In Q1, Financial Secretary Reveals At Davos

bitcoinist01/22 09:03

How the banking industry’s ‘rural America’ plea stalls the crypto bill

The crypto market structure bill (CLARITY Act) faces further delays until late February or March as the Senate Banking Committee shifts focus to housing policy. This follows earlier setbacks, including Coinbase's withdrawal of support over issues like stablecoin yield prohibition. The banking industry opposes such yields, citing risks to community banks and rural America. White House officials, including Crypto Czar David Sacks, urge compromise to advance the bill, though details remain undisclosed. Meanwhile, the Senate Agriculture Committee, handling the CFTC side of the legislation, plans to proceed without bipartisan support, jeopardizing the 60 votes needed for advancement. The path forward remains uncertain despite White House optimism.

ambcrypto01/22 08:18

How the banking industry’s ‘rural America’ plea stalls the crypto bill

ambcrypto01/22 08:18

Assessing Ripple’s growth – RLUSD’s Binance listing and XRP’s long-term prospects

Ripple's growth trajectory is bolstered by the Binance listing of its stablecoin RLUSD, along with XRP/RLUSD and RLUSD/USDT trading pairs, marking a strategic expansion in the digital payments sector. This move enhances liquidity and broadens access to Ripple’s ecosystem. RLUSD is designed for multichain interoperability, integrating Ethereum and the XRP Ledger (XRPL), facilitating seamless transactions and positioning Ripple for success in DeFi, payments, and remittances. Backed by U.S. dollar reserves and regulatory approvals, RLUSD strengthens trust and compliance. Despite a short-term dip in XRP’s price, Ripple’s focus on regulatory progress and stablecoin expansion supports its long-term leadership in cross-border payments and tokenized finance.

ambcrypto01/22 07:10

Assessing Ripple’s growth – RLUSD’s Binance listing and XRP’s long-term prospects

ambcrypto01/22 07:10

2026 TradFi x Crypto Outlook: 8 Macro Forces and 7 Investment Trends Driving 2026

CoinFound's "TradFi x Crypto 2026 Outlook" report identifies 2025 as an inflection point of convergence and predicts an acceleration of "programmable finance" in 2026. It outlines eight key macro forces, including a fiat currency trust crisis driving demand for hard assets like Bitcoin, geopolitical shifts fostering parallel blockchain-based settlement systems, and AI automation necessitating machine-to-machine payments. The report also highlights seven major investment trends, forecasting a structural explosion in the RWA market, with stablecoins reaching a $320B base. Key developments include the evolution of stablecoins 2.0 competing for global payment infrastructure, rapid growth in tokenized stock liquidity, and a shift in private credit RWA towards asset-driven models due to default risks. A major prediction for 2026 is the shift of RWA from yield-bearing assets to high-frequency trading instruments, accompanied by credit expansion into riskier assets like corporate bonds. The overarching theme is the unification of TradFi and Crypto under "On-chain Finance," though the complexity of off-chain defaults triggering on-chain liquidations remains a significant systemic risk.

marsbit01/22 05:43

2026 TradFi x Crypto Outlook: 8 Macro Forces and 7 Investment Trends Driving 2026

marsbit01/22 05:43

TRON Ecosystem Integration Upgraded: $8 Million Strategic Investment in River to Promote the Implementation of Chain-Abstracted Stablecoin Infrastructure

TRON has announced an $8 million strategic investment in River, a chain abstraction stablecoin protocol, to advance cross-ecosystem stablecoin infrastructure. This collaboration aims to enhance TRON’s stablecoin liquidity and efficiency by enabling seamless cross-chain asset minting and yield opportunities. TRON currently supports over $83.4 billion in USDT liquidity, with more than 70 million holding accounts and 3.09 billion cumulative transactions, reinforcing its role as a leading global stablecoin network. River’s satUSD will serve as a unified entry point, allowing users to deposit assets like wBTC and ETH from Ethereum, BNB Chain, and Arbitrum to mint satUSD on TRON. This facilitates direct access to TRON's DeFi ecosystem, including lending, trading, and yield products. satUSD can also be minted 1:1 using USDT, USDD, or USD1, reducing cross-chain friction. Future integrations include liquidity pools on SUN.io, lending support on JustLend DAO, and the introduction of Smart Vaults and Prime Vaults for user and institutional yield strategies. TRX will also be supported as collateral for minting satUSD, enhancing its utility. The rollout will occur in phases: initial deployment for cross-chain minting and staking, followed by expanded yield products and deeper DeFi integrations, strengthening TRON’s position as a key global stablecoin infrastructure.

marsbit01/22 04:25

TRON Ecosystem Integration Upgraded: $8 Million Strategic Investment in River to Promote the Implementation of Chain-Abstracted Stablecoin Infrastructure