The Rise of Stablecoin Banks: A New Way to Trade USD Globally

2025-12-19 13:20:14

【币界】稳定币银行这个概念最近火起来了。简单说，就是基于稳定币构建的数字金融服务，让全球用户可以直接用美元进行跨境交易和资产管理。这模式的好处显而易见——交易成本低、速度快、不受地域限制。相比传统银行的繁琐流程，用稳定币做清结算确实香。这也反映了一个趋势：数字金融正在改造全球支付和清算体系，稳定币从资产品变成了基础设施。

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BridgeNomad

· 12-19 13:50

ngl, stablecoin banking sounds clean on paper but... anyone else worried about the counter-party risk here? seen too many "infrastructure plays" blow up when liquidity fragmentation hits. what's the actual trust assumption we're building on?

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ImpermanentSage

· 12-19 13:39

Traditional banks should be nervous. This wave of stablecoin banks is really going to revolutionize the industry. --- Cross-border transfers finally no longer require half a day of hassle. It’s incredibly convenient. --- Wait, are stablecoins really stable? I’m still a bit hesitant. --- The infrastructure has been established; now it’s all about who can capture the market. --- Low cost and fast speed are enough. Who still wants to be exploited by traditional banks? --- Stablecoin banks? It feels like just another round of wealth transfer. --- Direct circulation of US dollars—this is bypassing SWIFT.

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AirdropATM

· 12-19 13:34

Cross-border settlement has indeed been revitalized, but for stablecoin banks to truly take off, the regulatory hurdle still needs to be overcome.

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OnchainFortuneTeller

· 12-19 13:22

Wait, can stablecoin banks really replace traditional banks? I always feel like something's off. --- Low-cost cross-border transactions sound great, but what if the stablecoin loses its peg? Who will cover the losses? --- I have to say, this is indeed reconstructing the financial infrastructure, but what about regulation? It still feels like a gray area. --- Replacing SWIFT clearing with stablecoins—if this really takes off, how much will traditional banks suffer? Haha. --- It’s appealing, but I’m worried about systemic risk. Can too many people go all-in on a single stablecoin? --- Finally, someone has explained this thoroughly. A fundamental infrastructure-level change is not just an upgrade of payment tools.

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