最新报道:Circle and Tether have issued $12 billion in stablecoins, offering a low-cost alternative to traditional credit card payments with high swipe fees. Retailers like Amazon and Walmart are exploring stablecoins to reduce transaction costs and fund loyalty programs. The 2025 Genius Act provides a regulatory framework, prohibiting interest payments to holders to protect traditional financial systems. Despite regulatory constraints, stablecoins backed by Treasury bills yield higher returns than swipe fees. While traditional payment providers downplay the threat, stablecoins could disrupt the current economic model by enabling retailers to capture more transaction value.