stablecoins · X 热门 · 2026-09-22 12:39 UTC

# stablecoins — X 热门讨论 (2026-09-22 12:39 UTC)

## @wallstengine (Wall St Engine) · 09-22 12:06 · ♥223 ↻35 💬7 $SOFI BECOMES FIRST U.S. NATIONAL BANK TO GO LIVE WITH STABLECOIN SETTLEMENT ACROSS MASTERCARD’S NETWORK

SoFi is moving its full debit and credit card program, expected to process more than $25B in annualized volume, onto blockchain-based settlement using SoFiUSD, which is redeemable 1:1 for U.S. dollars.

Merchants won’t need to hold stablecoins or build new infrastructure. They can receive funds directly into a SoFi Bank account and withdraw them as cash.

SoFi is also in discussions with major U.S. retailers and technology platforms, while it and Mastercard $MA are exploring cross-border payments and remittances next. https://x.com/wallstengine/status/2102368953851072547

## @binance (Binance) · 09-22 12:16 · ♥189 ↻17 💬52 Binance invests $100M in @circle Circle. Partnership extended 5 years.

A trusted digital dollar for more people, in more places.

This is a major commitment to regulated stablecoins - and on the infrastructure the next decade of finance gets built on.

Read more → https://t.co/J7VybCQUv0 https://x.com/binance/status/2102371568668357071

## @PHAZE_001 (PHAZE) · 09-22 11:07 · ♥62 ↻17 💬55 THE AI AGENT ISN’T THE PRODUCT. THE OWNERSHIP LAYER IS. https://x.com/PHAZE_001/status/2102354053254574484

## @CoinMarketCap (CoinMarketCap) · 09-22 12:17 · ♥57 ↻7 💬23 LATEST: 🇺🇸 Treasury Secretary Scott Bessent says the fact that "the principal stablecoins are dollar-denominated" is evidence that the dollar remains dominant. https://t.co/BSimN8NbYK https://x.com/CoinMarketCap/status/2102371629003092396

## @BitmonkCrypto (BitmonkCrypto) · 09-22 11:59 · ♥43 ↻16 💬12 That tells you everything about where the stablecoin fight is headed. Broader interest like rewards restrictions would give banks far more leverage over how stablecoins compete for deposits. > 引用 @coinbureau: 🔥SHOCKING: 7 REPUBLICANS supported a bank-friendly stablecoin amendment hours before the CLARITY Act vote.

The proposal would broaden what counts as bank-like interest, making stablecoin rewards easier to restrict.

Introduced by Rep Sen. Jerry Moran, it had 11 co-sponsors, including six fellow Republicans.

Three of the four Republicans who voted against CLARITY were among its backers.

However, the amendment was never added because CLARITY failed before debate began. https://x.com/BitmonkCrypto/status/2102367110202581426

## @jerallaire (Jeremy Allaire) · 09-22 12:34 · ♥45 ↻5 💬16 Today we announced a significant expansion of our partnership with @binance, including a new 5-year deal to promote and drive $USDC adoption across Binance global platforms, and that Binance has taken a $100m strategic stake in $CRCL.

As the world’s largest and most widely used wallet for stablecoins and onchain finance, the partnership will accelerate global and emerging market preference and adoption of USDC.

The internet financial system is expanding everywhere and this partnership will help to expand access to this new financial system to hundreds of millions of people and businesses around the world.

https://t.co/vIqr6NXzuk https://x.com/jerallaire/status/2102376066937467072

## @Xfinancebull (X Finance Bull) · 09-22 11:01 · ♥50 ↻8 💬5 Do you remember what Trump said here? The $XRP connection looks a lot bigger now than it did when this clip first came out.

Trump was talking about crypto like a global technology race.

His point was simple: if America doesn’t build the industry at home, another country will.

Fast-forward to today and look at what has actually been built around that idea.

The January 2025 executive order made U.S. leadership in digital assets official policy and specifically protected access to open public blockchain networks.

Then came the stablecoin push.

Trump signed the GENIUS Act in July 2025, creating a federal framework for payment stablecoins.

Now look at Ripple’s setup:

XRPL = public blockchain RLUSD = regulated digital dollar $XRP = native digital commodity and potential liquidity asset

And XRP itself received a huge regulatory shift in March 2026. The SEC issued its Commission-level crypto interpretation, and subsequent SEC-filed XRP disclosures state that XRP was explicitly identified as a digital commodity that is not itself a security under that interpretation.

Then September took things another level.

The SEC opened a five-year pathway allowing qualifying venues to trade real tokenized U.S. stocks through permissioned AMMs on public, permissionless ledgers.

Think about where XRP can fit as those markets grow.

-Tokenized stocks. -Treasuries. -Funds. -Stablecoins. -Private credit. -Different currencies.

All of those assets eventually need liquidity.

XRPL was built around exchanging different forms of value, and XRP can sit between markets when using it provides an efficient route.

Ripple has also built the institutional machinery around that idea.

Ripple Prime clears more than $3T annually across 300+ institutional customers, and Ripple said Hidden Road’s post-trade activity would migrate onto XRPL while RLUSD would be used for cross-margining.

Then the OCC gave Ripple National Trust Bank preliminary conditional approval in December 2025.

This is what makes that old Trump clip more interesting to me today.

America competing in crypto eventually requires real infrastructure:

digital dollars, public blockchains, custody, tokenized markets, institutional liquidity, credit, settlement.

Ripple is building across that entire stack.

And $XRP could end up doing the most valuable job of all:

moving liquidity through it. > 引用 @Xfinancebull: So the ECB just went ALL IN on its tokenization push.

I did a deep dive, and it made me 100x more bullish on $XRP and $QNT. Why? You’re going to love this long read.

Something changed in Europe on September 21 that I think a lot of crypto people are going to underestimate.

Pontes is live.

The Eurosystem can now connect tokenized markets with its existing TARGET Services so the cash side of a tokenized securities transaction can settle in central-bank money. And Reuters reports the ECB plans to put part of its roughly €23 billion own-funds portfolio into highly rated, euro-denominated blockchain securities issued by public institutions.

Read that slowly.

The central bank is providing the settlement infrastructure.

European financial institutions are connecting to it.

And the ECB itself intends to own tokenized securities.

I’ve been deep in $XRP and $QNT, and following this whole tokenization shift has made the thesis around both much easier for me to understand.

Because the financial world they were built around is starting to become real.

Let me make this very simple.

Suppose a bank tokenizes a €500 million bond.

Putting that bond on a distributed ledger solves only part of the problem.

Somebody buys the bond.

Money needs to move in the opposite direction.

If the bond moves on modern DLT infrastructure but the money still has to leave that environment, travel through separate systems, get reconciled and settle later, you lose a huge part of the advantage.

Europe needed a trustworthy cash leg.

Pontes gives institutions one.

A tokenized security can now connect back into central-bank euro settlement through TARGET Services. The ECB says synchronization can support Delivery-versus-Payment transactions where the asset and money are linked together.

That sounds technical.

In everyday language:

the asset moves and the money moves together.

That is a massive step toward making tokenized finance usable by banks and asset managers at scale.

And look at the institutions already onboarded:

ABANCA, BayernLB, Caisse des Dépôts et Consignations, Cecabank, Deutsche Bank, DekaBank, DZ BANK, European Investment Bank, KfW, Memo Bank, NRW BANK, Santander and Société Générale.

The initial DLT operators include Axiology, Cashlink, Clearstream and SWIAT, while Deutsche Bundesbank has also onboarded.

These aren’t people gathering around a whiteboard wondering whether tokenization could work someday.

The infrastructure is available now.

And one comment from Christine Lagarde explains how important that settlement piece really is.

The ECB spoke with more than 60 market participants, and Lagarde said the message from the market was clear: they would not commit to issuing digital assets at scale until they could settle in central-bank money.

That sentence changed how I looked at Pontes.

Europe already had institutions interested in tokenization.

The missing piece was confidence in settlement.

Now the Eurosystem is providing it.

And the ECB has openly described central-bank-money access as one of the conditions needed for tokenized finance to reach critical mass.

So I started asking myself:

If more European bonds, funds, money-market instruments, deposits, repos and other financial assets begin moving onto DLT because the settlement problem is being solved, who benefits from connecting all those systems and moving liquidity between all those assets?

That brought me straight back to $QNT and $XRP.

$QNT first.

The ECB’s long-term project is called Appia.

Pontes handles the bridge into central-bank settlement today.

Appia is looking at what the wider European tokenized market should eventually become.

And the ECB is openly considering several architectures:

one shared European network,

multiple interconnected networks,

or some combination of both.

If Europe ends up with multiple networks, the ECB says a high degree of interoperability will be required to stop assets and liquidity from becoming fragmented.

Seriously.

Read those words again:

multiple interconnected networks.

-Interoperability. -Tokenized assets. -Central-bank money. -Private settlement assets. -Legacy infrastructure. -Programmability.

I’ve followed Quant for a long time, and that is almost a description of the problem Overledger and QuantNet were created around.

A bank already has decades of systems.

It cannot wake up Monday morning and throw everything away because blockchain exists.

It still has core banking infrastructure.

-Payment rails. -Risk systems. -Legacy ledgers. -RTGS connections. -Private DLTs. -Maybe public blockchains. -Tokenized deposits. -Stablecoins. -Tokenized bonds.

Potentially several different settlement networks.

Quant’s approach is to let those environments communicate and coordinate without asking the institution to replace everything underneath.

And this connection to Europe is not coming from nowhere.

Quant Network Europe Limited was officially listed by the ECB as a Pioneer in its Digital Euro Innovation Platform.

Quant worked on programmability and conditional payments around the ECB’s digital-euro environment.

So Quant has already been inside an ECB-led digital-money experiment.

Then look at what Quant did with Murex in March.

Murex and Quant integrated Quant’s programmable-money infrastructure into MX.3, allowing banks and capital-markets firms to issue, settle and manage tokenized deposits and digital bonds using existing institutional workflows.

The setup uses Quant’s Flow and Overledger technology for programmability, cross-rail payment orchestration and interoperability across public and private blockchains.

That matters because banks do not want twelve disconnected tokenization systems.

They want their existing trading, risk, reporting and post-trade infrastructure to work with the new rails.

And Quant is already attacking that problem.

Then there is the UK.

Quant was selected to provide infrastructure to the Great British Tokenised Deposits project involving Barclays, HSBC, Lloyds Banking Group, NatWest, Nationwide and Santander.

Its role includes programmable money and interoperability between bank ledgers, RTGS, Faster Payments, Open Banking and tokenized-deposit platforms.

And notice one name:

Santander.

Santander is also one of the first institutions onboarded to Pontes.

I’m not saying Santander uses Quant for Pontes. There is no announcement saying that.

The deeper point is more interesting anyway.

A bank such as Santander can end up operating across several forms of digital financial infrastructure at the same time.

Pontes.

-Tokenized deposits. -Traditional banking systems. -DLT markets. -International payment networks. -Potentially public chains.

Once large banks operate across multiple environments, connecting them becomes more valuable.

That is Quant’s whole addressable problem.

And Pontes itself is only going to become more capable.

The ECB plans to extend operating hours toward 22.5 hours per business day, then move toward 24/7 service by mid-2028, together with greater programmability, stronger resilience and multi-currency capability.

Multi-currency really matters to me.

A European tokenized market becomes much more complicated once you move beyond a euro security settling against one euro cash asset.

Now you can have different currencies.

Different banks.

Different networks.

Different digital-money forms.

Different assets.

Different jurisdictions.

Somebody has to coordinate the movement.

That is exactly the kind of market where interoperability stops being a nice extra and becomes basic financial plumbing.

So my $QNT thesis from this ECB move is simple:

Europe is starting to build the multi-network financial architecture Quant has spent years preparing to connect.

The ECB doesn’t need to announce that it is buying QNT for the underlying opportunity to expand.

If interoperability becomes mandatory infrastructure across tokenized banking and capital markets, the market Quant is targeting becomes much larger.

And then there is $XRP.

The XRP side of this story works differently.

Europe now has a trusted central-bank settlement anchor.

Great.

That can unlock more issuance.

-More bonds. -More tokenized funds. -More money-market instruments. -More private money. -More trading. -More collateral. -More digital assets.

And Ripple has spent years building inside European finance before that market reached this stage.

Ripple received its full MiCA CASP authorization from Luxembourg’s CSSF in July, giving its regulated cryptoasset services coverage across all 30 EEA countries. Ripple also has its European EMI licence and says its global regulatory portfolio exceeds 75 licences.

That gives Ripple a serious regulated position as Europe’s tokenized market begins moving from experimentation toward production.

Then look at the banks.

BBVA Spain uses Ripple Custody technology in its digital-asset custody service.

Intesa Sanpaolo uses Ripple Custody in its digital-asset initiatives.

DZ BANK uses Ripple Custody for institutional digital assets, including crypto securities such as tokenized bonds under Germany’s electronic-securities framework.

And DZ BANK is also one of the first Pontes participants.

Again, I’m keeping the connection precise.

That does not say Pontes runs on Ripple.

It says the same major European bank is participating in the ECB’s new tokenized-settlement infrastructure while already operating Ripple technology elsewhere in its digital-asset business.

That overlap matters because these systems are starting to meet inside the same institutional world.

Then look at Société Générale.

This one is even more interesting to me.

Société Générale is among the initial Pontes participants.

Its digital-asset subsidiary Société Générale-FORGE launched its regulated EUR CoinVertible, EURCV, directly on the XRP Ledger in February 2026.

The XRPL deployment is supported by Ripple Custody, and SG-FORGE has said it intends to explore further uses, including integrating EURCV into Ripple products and using it as trading collateral.

So one major European banking group is operating in both worlds:

the ECB’s emerging central-bank-money settlement infrastructure,

and private regulated euro money on XRPL.

You can start to see the market taking shape.

-Central-bank euros. -Tokenized deposits. -Private euro settlement assets. -Tokenized securities. -Different DLT networks.

-Custody. -Trading. -Liquidity. -Collateral.

This is exactly the messy multi-asset financial world where both XRP and QNT become much more interesting.

XRPL also has EURØP from Schuman Financial.

EURØP is a MiCA-compliant, euro-backed stablecoin issued by a French electronic-money institution regulated by ACPR, and it is natively integrated into XRPL. Its reserves are held through European institutions including Société Générale.

Then add Aviva Investors.

Aviva is working with Ripple to explore tokenizing traditional fund structures directly on XRPL, with both sides planning to continue the initiative through 2026 and beyond.

Then add Ripple’s investments in ZILO and Licuido, which connect transfer-agency, issuance and collateral-mobility capabilities into Ripple’s broader capital-markets strategy.

Now think about the kind of European market that can emerge as Pontes removes the settlement bottleneck.

A German bond exists digitally.

A French money-market fund exists digitally.

EURCV sits on XRPL.

EURØP sits on XRPL.

A tokenized bank deposit sits somewhere else.

An Aviva fund sits onchain.

A U.S. Treasury exists on another network.

Institutions need to move between all of it.

Some transactions want central-bank euros at final settlement.

Pontes can provide that anchor.

But between those endpoints, the market still needs trading liquidity.

-FX. -Collateral. -Cross-border movement. -Asset conversion. -Secondary markets.

Movement between different forms of money.

XRPL was built around exchanging different representations of value on one ledger.

And XRP is the issuerless native asset inside that market.

That is the XRP opportunity I care about.

XRP does not need to become “the euro.”

It does not need to replace TARGET.

It does not need the ECB to hold XRP.

The much more believable long-term utility is liquidity.

If a growing European tokenized market contains hundreds or thousands of assets and multiple forms of digital money, liquidity becomes a real problem.

Some markets will have direct pairs.

Others will not.

Some cross-border routes will be deep.

Others will be fragmented.

Some assets may need a neutral intermediary.

That gives XRP a potential economic job.

And Ripple has already spent years building the custody, tokenization, regulated access and institutional infrastructure around the ledger where XRP lives.

Then Appia makes this even bigger.

The ECB wants a blueprint for an integrated European tokenized financial ecosystem by 2028.

Its own documents talk about interoperability, asset transfers, collateral mobility, cross-border transactions, central-bank money, private settlement assets and a market where issuance, trading, settlement, custody and servicing evolve together.

That is an enormous architecture.

In my head, $QNT and $XRP sit in very different places inside it.

QNT can matter because all those systems need to communicate.

XRP can matter because all those assets need liquidity.

Quant handles orchestration.

XRPL can host assets and markets.

Ripple supplies regulated institutional infrastructure around it.

XRP can provide native liquidity where it makes economic sense.

And Europe has just made one of the biggest pieces of that whole system operational.

The ECB did not announce XRP or QNT as Pontes components.

I actually think the factual setup is more powerful without pretending it did.

Pontes validates the market they have been positioning around.

The central bank is now giving tokenized securities a trusted cash settlement layer.

It intends to invest some of its own portfolio in blockchain securities.

Banks are onboarding.

Private DLTs are connecting.

Appia is planning an interoperable future.

Pontes is moving toward 24/7 and multi-currency.

Ripple already has European banks, euro assets, custody, MiCA authorization and asset-manager tokenization work around XRPL.

Quant already has an ECB Digital Euro relationship, Murex integration and major-bank tokenized-deposit infrastructure.

A year ago, people could call all of this a future narrative.

Today the rails are switching on.

And I’m sitting here thinking about what happens after millions, then billions, then potentially much larger pools of financial assets start living across multiple digital networks.

Somebody has to connect the networks. Somebody has to move the liquidity.

That is exactly why this ECB move made me even more bullish on $QNT and $XRP.

Holding these two? You’re gonna make it. https://x.com/Xfinancebull/status/2102352458307555412

## @HarryBee_Yhu (The CryptoHarry) · 09-22 07:16 · ♥43 ↻1 💬0 𝗚𝗮𝘀𝗙𝗿𝗲𝗲 𝗝𝘂𝘀𝘁 𝗖𝗿𝗼𝘀𝘀𝗲𝗱 $𝟭𝟰𝟮𝗕+ 𝗶𝗻 𝗦𝘁𝗮𝗯𝗹𝗲𝗰𝗼𝗶𝗻 𝗧𝗿𝗮𝗻𝘀𝗳𝗲𝗿 𝗩𝗼𝗹𝘂𝗺𝗲!

What if sending stablecoins on TRON didn’t require you to think about TRX first?

That’s the experience #GasFree is building.

Instead of keeping TRX in your wallet just to cover transaction fees, supported stablecoin transfers can handle the gas cost through the asset itself.

So the question becomes less:

“Do I have enough TRX to make this transfer?”

And more simply:

“I have the stablecoins. I can send them.”

The latest numbers show just how much activity is already moving through GasFree:

💰 $142.35B+ Total transaction volume

⚡ 8.28M+ Transactions completed

💵 $8.86M+ Fees saved for users

And compared with the previous update:

→ Volume: $132.77B+ → $142.35B+ → Transactions: 7.71M+ → 8.28M+ → Savings: $8.49M+ → $8.86M+

These aren't simply larger numbers on a dashboard.

They represent more stablecoin transfers taking place without users needing to treat TRX as a prerequisite for every transaction.

That points to the bigger idea behind GasFree:

Make stablecoin transfers feel less like dealing with blockchain infrastructure and more like simply sending money.

As the model expands across supported stablecoins and use cases, that experience can become even more straightforward.

$142.35B+ processed. 8.28M+ transactions. $8.86M+ saved.

Gas is still part of the blockchain.

The difference is that users don't always have to think about it.

@justinsuntron @DeFi_JUST @USDDecentralize

#TRON #GasFree #TRONEcoStar https://x.com/HarryBee_Yhu/status/2102296061465207131