最新报道:Stablecoins are transforming cross-border payments, with USD-denominated options like USDT ($175B market cap) and USDC ($75B) increasingly replacing SWIFT for small to mid-sized transfers by enabling near-instant, low-cost global money movement. Key use cases include remittances, DeFi, and hedging in high-inflation economies. While stablecoins still represent under 1% of global flows, FX-on-chain protocols are emerging to bridge digital and fiat currencies, allowing direct swaps and continuous liquidity. The future growth depends on regulatory clarity, expansion beyond USD stablecoins, and seamless multi-currency settlement.