# stablecoins — X 热门讨论 (2026-09-23 16:38 UTC)
## @raincards (Rain) · 09-23 15:20 · ♥64 ↻30 💬7 How do we put more of the value sitting onchain to work in payments?
That was the question we brought 30 leaders across payments and digital assets together to discuss with @galaxyhq last week.
Stablecoins are one part of that story. Tokenized bank deposits are another.
@cnaut and @willnuelle opened the discussion on what it will take for stablecoins to power more global payments.
Zack Chestnut of @jpmorgan joined us to walk through JPM Coin and how tokenized bank deposits work in practice.
First Wake-Up Series in the books.
Next stop: Vegas. https://x.com/raincards/status/2102780096985661533
## @unknowDLT ({x}) · 09-23 16:15 · ♥76 ↻6 💬2 To be clear, these will be the four main functions that XRP will have very soon:
International payments and FX Liquidity among stablecoins Tokenized assets and DvP Collateral and institutional financing
XRP is deflationary; the vast majority will be locked up as institutional collateral and yield. The price will be high and stable.
The last function is the one that will make the difference and it is the one that could potentially drive the price into the five-digit range. https://x.com/unknowDLT/status/2102793970388443471
## @Xfinancebull (X Finance Bull) · 09-23 16:01 · ♥51 ↻6 💬4 OH MY GOD, IT’S HAPPENING WITH stellar:native Stellar.
If you missed last night’s news, read this carefully because this is much bigger than another Stellar integration.
BVNK just added Stellar as a native settlement rail across its enterprise platform.
At first glance, that sounds technical.
Then I looked at who BVNK actually is today.
BVNK processes around $39 BILLION in annualized payment volume, operates across 130+ countries, and works with companies including Corpay, Worldpay, Deel and Marqeta.
And in August, Mastercard completed its acquisition of BVNK.
Seven weeks later, Stellar gets plugged directly into BVNK’s enterprise infrastructure.
Now the story becomes very different.
A company already using BVNK does not need to build its own Stellar integration from scratch.
It can already access Stellar through the same BVNK platform and API it uses for other payment rails.
So imagine a global company needing to send thousands of payouts.
Instead of asking its engineers to spend months building blockchain infrastructure, it can potentially choose Stellar inside infrastructure it already uses.
And Stellar gives them:
roughly 5-second settlement, 99.99% uptime, and transaction costs measured in fractions of a cent.
That is the kind of utility institutions actually care about.
Then look at what is already sitting on Stellar.
USDC.
PYUSD.
USDT0.
USDT0 only went live on Stellar on September 2, connecting the network to unified Tether liquidity across more than 26 networks.
Circle’s CCTP already connects Stellar USDC across 23 supported blockchains.
PayPal USD has been live since 2025.
Now BVNK arrives with enterprise distribution.
The timing is wild.
And Mastercard’s reason for buying BVNK lines up almost perfectly with Stellar’s design.
Mastercard specifically talked about stablecoins being useful across cross-border B2B payments, remittances, payouts, settlement and treasury flows.
Those are the exact kinds of transactions BVNK says Stellar can now handle.
Then look at BVNK’s existing reach.
It powers stablecoin infrastructure involving Marqeta, which processed nearly $400B in payment volume in 2025.
BVNK has also worked on Visa Direct stablecoin pilots. Visa Direct was described as handling around $1.7T in real-time payments.
That does not mean all of that volume is suddenly coming to Stellar.
The bigger point is distribution.
Stellar has now entered infrastructure already connected to some of the largest payment companies in the world.
And Stellar already has real usage before any of this.
$55.6B in 2025 payment volume.
3.6B transactions.
$5.5B in stablecoin payment volume during Q1 2026 alone.
$2B+ in tokenized RWAs.
Then add MoneyGram, which uses Stellar as the exclusive blockchain behind its consumer stablecoin balance feature.
MoneyGram, Figure Markets and Range also committed to becoming Tier 1 Stellar validators.
Add Nuvanté Technologies, which built a Stellar stablecoin-clearing prototype tested inside the Bank of England RTGS RT2 Synchronisation Lab.
Add Franklin Templeton, WisdomTree, Figure and Tradable, with Tradable agreeing to bring as much as $1B in private credit onto Stellar.
Now I see a much larger picture.
Consumer cash access through MoneyGram.
Enterprise settlement through BVNK.
Mastercard behind BVNK.
USDC, PYUSD and USDT0 supplying digital-dollar liquidity.
Tokenized assets sitting on the same network.
And underneath all of it sits XLM.
Every Stellar transaction uses XLM for fees.
Accounts and ledger resources require XLM.
Smart-contract resource costs are denominated in XLM.
The businesses can keep using stablecoins as money.
XLM remains the native asset keeping the network operating underneath them.
That is the XLM thesis I care about.
And now a Mastercard-owned company processing $39B annually has made Stellar available across 130+ countries.
stellar:native is starting to look less like an old payments coin and more like infrastructure sitting underneath the next generation of global money movement.
BULLISH! > 引用 @Xfinancebull: Stellar ($XLM) already has $1.2B in Active Strategies and $1.1B in tokenized U.S. Treasury debt.
And this is BEFORE the CLARITY Act.
If institutions are already moving billions onchain now…
what happens when the rules finally catch up?
TRILLIONS. https://t.co/NqsHDPQNMZ https://x.com/Xfinancebull/status/2102790343985102890
## @CryptoCoffee369 (CryptoCoffee.pls) · 09-23 15:36 · ♥47 ↻7 💬5 Blackrock is telling you what’s going to happen and most people still have their head in the sand
Demand for crypto may come from AI agents / robots more than humans
Stablecoins are the obvious choice for the currency of the machine world (robots can’t open bank accounts)
Here’s the connection they purposely leave out:
How do you benefit from this? 80% of stablecoins are powered by ETH as the transaction fee token
Ethereum is required to send stablecoins. When you know this it becomes obvious…
The AI revolution creates demand for ETH. Price deserves to be much higher
https://t.co/II6QFwHSIz coins (HEX, PLSX, PRVX, etc) are my altcoin bet that could do many multiples more than ETH
new highs would send it, $5000+ > 引用 @BlackRock: Our latest research paper explores the growing connection between AI and digital assets and explains why broad AI adoption may drive new demand, utility and applications across the digital asset economy. https://t.co/z5T88Orble https://t.co/GMxQqTVmUN https://x.com/CryptoCoffee369/status/2102784228429611183
## @XDCFoundation (XDC Foundation) · 09-23 14:22 · ♥43 ↻10 💬1 The @wto’s new report examines where stablecoins could help with cross-border trade payments and settlement.
Its acknowledgements thank Saloi Benbaha, Ken Cowan, and @SunilSenapatiGo from XDC Network for sharing insights that informed the publication.
@XDCNetwork is the only blockchain network named there, alongside contributors from the @BIS_org, @circle, the @bankofengland and the @SNB_BNS. https://x.com/XDCFoundation/status/2102765669288739224
## @InvestWithD (Diana) · 09-23 15:11 · ♥48 ↻7 💬1 🚨CONNECT THE DOTS: BLACKROCK Just Highlighted x402 for the AI PAYMENT BOOM — $XRP Ledger ALREADY Supports It 🤯🔥
👉 @BlackRock highlights x402 → XRPL already supports it with $XRP + $RLUSD settlement.
👉 @BlackRock points to STABLECOINS as machine-native money → $RLUSD is already part of XRPL’s agentic payment stack.
👉 @BlackRock also names MPP → XRPL’s AI toolkit has already added support for that standard too.
@Ripple launched the XRPL AI Starter Kit, while @RippleXDev is actively building tools specifically for AI agents to discover services, pay for them + settle value on-chain. 🤖💸🔥 > 引用 @BlackRock: Our latest research paper explores the growing connection between AI and digital assets and explains why broad AI adoption may drive new demand, utility and applications across the digital asset economy. https://t.co/z5T88Orble https://t.co/GMxQqTVmUN https://x.com/InvestWithD/status/2102777952652210593
## @Cryptic_Web3 (Cryptic) · 09-23 15:57 · ♥44 ↻5 💬6 🇨🇦HUGE: Canada’s biggest banks are taking deposits onchain.
The country’s six largest banks are jointly exploring Canadian dollar tokenized deposits designed to support faster, 24/7 payments and settlement.
The project brings @BMO, @RBC , @TD, @scotiabank, @nationalbank and CIBC together around a shared digital money initiative, following Canada’s new regulatory framework for stablecoins. https://x.com/Cryptic_Web3/status/2102789456562405440
## @pawnie_ (Pawnie) · 09-23 12:51 · ♥44 ↻1 💬12 ethereum:0x6985884c4392d348587b19cb9eaaf157f13271cd is one token under 8 narratives
> bridge (170+ chains) > stablecoins (USDT0 on OFT) > buyback (2.37M ZRO bought) > RWA + TradFi (DTCC, ICE, Citadel) > perps (ATLAS, 75% of net fees burn ZRO) > staking (up to 1% of supply per venue) > AI agent payments (Google Cloud) > post-quantum (Akita)
first 3 already work. the rest comes with Zero... https://x.com/pawnie_/status/2102742651036455283
## @News_crypto (Crypto News) · 09-23 16:06 · ♥52 ↻1 💬0 #Tether Rejects MiCA License
Tether declined to apply for a MiCA license in the EU over reserve rules.
Tether CEO Paolo Ardoino said the rules require 60% of significant #Stablecoin issuers’ reserves in commercial bank deposits, making stablecoins less protected. EU deposit insurance covers only €100,000.
“When MiCA becomes safer for consumers and stablecoin issuers, we may reconsider the decision,” Ardoino said. https://x.com/News_crypto/status/2102791639588606146
## @0xRexnftcrypto (Rex) · 09-23 13:18 · ♥44 ↻1 💬7 $ZRO is LayerZero’s token, the omnichain protocol that moves messages and assets across 170+ chains. Its OFT standard lets one token live on many networks without wrapped copies everywhere.
The latest move came after Anchorage Digital chose LayerZero for bank issued stablecoins, with Tether’s USAT first in line. $ZRO is around $1.45 today, up about 20% on the day, with a market cap near $540 million.
ATLAS is live as a settlement layer for venues, STG can still convert into $ZRO until December 15, and Zero, the institutional L1, is aimed at fall 2026. Unlocks still add supply, but this week’s news is the first real bank rail story. Updates live on @LayerZero_Core. https://x.com/0xRexnftcrypto/status/2102749511957258302