# stablecoins — X 热门讨论 (2026-09-29 10:22 UTC)
## @CoinFerenceX (CoinFerenceX) · 09-29 09:07 · ♥65 ↻6 💬24 🗓️ DAY 1 · PANEL 07 Stablecoins in the Real World: Payments, Payroll, and Cross-Border Settlement
We are diving into where stablecoins are actually being used today and what merchants, treasuries, and platforms need before they can achieve global adoption at scale.
Meet the Speakers: 🎙️ @ag_dwf | Managing Partner, @DWFLabs 🎙️ @kevinlee_bingx | Chief Strategy Officer, @BingXOfficial 🎙️ @0xAishwary | Global Head of Business, @0xPolygon 🎙️ @williambaobean | General Partner, @OrbitVenturesVC
Moderated by: 🎤 @dhaval_XP | Fund Partner, @Sigma_VC
Details: 🗓 Date: Day 1 | Mon 5 Oct 2026 ⏰ Time: 4:15 PM – 4:45 PM 📍 Venue: Main Stage, Gardens by the Bay, Singapore
📅 RSVP on Luma: https://t.co/boaCunDBWJ
#CoinFerenceX #TheBestEvent https://x.com/CoinFerenceX/status/2104860675785019629
## @DandySmart2 (Dandy Smart) · 09-28 23:31 · ♥45 ↻12 💬13 Most people leave crypto sitting idle in wallets when it could be building real equity. With @hisanigeria, you can fund your wallet directly with stablecoins (USDT orUSDC) and invest in global giants like Apple and Tesla, or tap directly into local public offers.
No bank card limits. No crazy FX rates. No waiting days for bank wires to clear.
Here is the exact step-by-step breakdown of how I set up my account, funded it with crypto, and invested: 🧵👇 @SuperteamNG #SOLMeetsStocks https://x.com/DandySmart2/status/2104715725558452714
## @Elikrypt (ΞLIKRYPTO) · 09-29 08:45 · ♥56 ↻1 💬19 THE DOLLAR IS BEING REBUILT ONCHAIN
The onchain dollar economy is forming around four layers:
✧ Tokenized deposits → bank money onchain ✧ Stablecoins → portable dollar liquidity ✧ Tokenized Treasuries → productive dollar capital ✧ Interoperability → connectivity between networks and assets
These are different products with different claims, users and use cases.
✧ TOKENIZED DEPOSITS — BANK MONEY
Tokenized deposits put commercial-bank money on blockchain rails.
@jpmorgan’s JPMD represents a USD-denominated bank deposit and remains a JPMorgan liability.
That means institutions can use blockchain-based settlement without turning the underlying bank deposit into a stablecoin.
@carinetwork is building deposit-token infrastructure for regional and mid-sized banks.
@TCHtweets selected @quantnetwork for its On-Chain Money Initiative, while @PartiorOfficial is building wholesale settlement infrastructure around bank money, digital assets and stablecoins.
The bank keeps the liability. Blockchain changes how the money moves.
✧ STABLECOINS — PORTABLE DOLLARS
Stablecoins solve a different problem: moving dollar liquidity.
They can move across wallets, applications, exchanges and blockchains without every participant needing a direct relationship with the same bank.
$USDC is expanding payments through @circle and CCTP.
$RLUSD is focused on payments and settlement through @Ripple.
$PYUSD extends digital-dollar distribution through @PayPal.
$USDT remains deeply integrated into global crypto trading and dollar liquidity.
So stablecoin supply alone isn’t enough to measure the market.
Distribution, settlement, liquidity, redemption and network reach matter.
✧ TOKENIZED TREASURIES — YIELD & COLLATERAL
Tokenized Treasuries bring government-backed assets onto blockchain rails.
USYC, BUIDL, USDY, OUSG, BENJI and USTB are examples of this market.
@BlackRock BUIDL brings institutional Treasury exposure onchain through @Securitize.
@Ondo’s USDY and OUSG provide crypto-native access to Treasury-backed assets.
BENJI from @FTDA_US and USTB from @SuperstateInc add other routes into short-duration government assets.
These are not simply stablecoins with yield.
They represent exposure to underlying assets, with different legal structures, redemption mechanics and investor rights.
Stablecoins move dollars. Tokenized Treasuries put dollar capital to work.
✧ INTEROPERABILITY — THE CONNECTION LAYER
The final piece is connecting these systems.
@chainlink’s CCIP provides cross-chain messaging and asset-transfer infrastructure.
Circle’s CCTP enables native $USDC movement between supported chains through burn-and-mint.
@quantnetwork is connecting tokenized bank money with existing financial infrastructure.
@PartiorOfficial and @LSEGplc are working on infrastructure for always-on cross-border settlement.
Without interoperability, tokenization creates isolated pools of assets.
With it, bank money, stablecoins, Treasuries and other financial assets can move across networks.
Bank deposits bring money onchain. Stablecoins make it portable. Tokenized Treasuries make capital productive. Interoperability connects the system.
✧ WHERE THE INFRASTRUCTURE FITS
I wouldn’t treat every RWA project as the same category.
The more useful way to look at this market is by where each product sits in the financial flow:
▸ JPMD → tokenized bank money ▸ Cari / The Clearing House / Quant → deposit infrastructure ▸ Partior / LSEG DiSH → wholesale settlement ▸ USDC / CCTP → portable dollar liquidity ▸ USYC → Treasury exposure ▸ BUIDL / Securitize → institutional Treasury infrastructure ▸ USDY / OUSG → crypto-native Treasury distribution ▸ CCIP → cross-network infrastructure
The thesis isn’t simply tokenization.
It’s the combination of programmable bank money, portable dollars, productive collateral and infrastructure that connects them.
That is the financial architecture I’m researching going forward. NFA Opinion are mine https://x.com/Elikrypt/status/2104855084622319777
## @mobymedia (Moby Media) · 09-29 10:00 · ♥51 ↻6 💬5 Tether steps up enforcement cooperation.
Tether says it helped authorities freeze nearly $550M in Iran-linked $USDT this year.
Stablecoins are becoming an increasingly important part of global sanctions enforcement and financial oversight. https://t.co/hM0vXiPvbT https://x.com/mobymedia/status/2104873835757498558
## @scopuly (Scopuly - Stellar Wallet) · 09-29 06:16 · ♥41 ↻4 💬0 😳 @StellarOrg stellar:native just broke its own speed record. Again.
211+ TPS. Then 216.1 TPS. Now: 217.4 TPS. ⚙️
And this isn’t some theoretical benchmark.
It’s throughput averaged across 100 consecutive blocks on mainnet, according to Chainspect.
Protocol 28 went live less than two weeks ago. Since then, Stellar stellar:native has kept pushing its sustained throughput record higher.
The number itself is interesting. The trend is more interesting:
record → record → record.
For a network built to move stablecoins, payments and tokenized assets at scale, that’s exactly the direction you want to see. https://x.com/scopuly/status/2104817496343678993
## @Barakotayo (MoolaHMoolaH) · 09-29 01:34 · ♥42 ↻2 💬1 CHIPS went native #ISO20022 in a big-bang cutover. RTP was born native. Nacha is not converting ACH — it maps at the edges. #Stronghold + 20022 Labs is one translator between ACH files and ISO 20022, which is how the ACH network can meet real-time rails and next-gen currency initiatives work (stablecoins, tokenized deposits). > 引用 @Barakotayo: Big change for US ACH! A new Nacha Next-Gen Currency team is building the framework to link stablecoins and digital bank deposits directly to everyday retail ACH payments. This is huge for Stronghold. As an official Nacha partner with ready-to-use "Pay-by-Bank" technology, @StrongholdPay has a massive first-mover advantage as traditional banking to shifts to 24/7 digital assets. This is Tokenized deposit and Stablecoin Mapping. #ISO20022 embedded ACH, embedded compliance
#Fintech #Web3 #Stronghold #SHx #Crypto #Payments
https://t.co/XSVd4ChczZ https://x.com/Barakotayo/status/2104746510969614348