币界网报道:Stablecoins are reshaping the logic of financial product development, and realizing economic models that are beyond the reach of traditional finance through instant settlement and programmability. Non-bank institutions can use stablecoins to build innovative products such as real-time loans, while traditional financial technology is limited by settlement delays. Banks, financial technology and investors need to re-evaluate the potential of stablecoins as platforms rather than payment tracks. Instant settlement will give rise to financial product categories that did not exist before.