# stablecoins — X 热门讨论 (2026-09-29 18:01 UTC)
## @WorldOfMercek (Mercek) · 09-29 17:16 · ♥51 ↻4 💬47 Stablecoin cards just had their biggest week ever.
During the week of September 14, more than $189M was spent through them.
And looking at the growth over the past couple of years, the direction is pretty hard to miss.
What used to be a tiny category is starting to look like an actual payment habit.
Paying for dinner, booking a hotel, grabbing something online, covering a random daily expense... you use crypto, tap a card or your phone, and somewhere along the way it starts feeling a lot less like something that only lives inside an exchange account.
That part interests me more than the record itself.
I’ve had this thought for a while: one of the biggest sources of users and liquidity in the next crypto cycle may not come from convincing people to become “crypto investors.”
It may come from making crypto useful enough that people start using it without really thinking about crypto at all.
Once someone gets comfortable holding stablecoins because they can actually spend them, transferring them, saving them, earning with them and eventually interacting with the rest of crypto becomes a much smaller jump.
That’s a very different adoption funnel from “buy this token because it might go up.”
There are still big questions around regulation and how these products fit into existing payment systems, and that part will probably look very different from one market to another.
So I don’t think the path from here is completely clean.
But the usage is already showing up before all of those questions are settled.
And that’s why I keep paying attention to stablecoin payments.
People usually look for the next bull market’s liquidity in ETFs, rate cuts or another wave of speculation.
Maybe part of it arrives much more quietly.
Someone just starts using crypto to pay for something normal. https://x.com/WorldOfMercek/status/2104983724358078928
## @Zevryn0 (Zevryn) · 09-29 16:34 · ♥44 ↻2 💬20 Blockchain finance won’t reach the mainstream if every transaction is exposed.
At GWDC 2026 Korea, @primus_labs co-founder & CEO @xxiang_xie highlighted a point that deserves more attention: privacy will be essential for stablecoins to achieve mass adoption.
People want the benefits of onchain finance without putting every payment, balance, and transaction amount on public display.
The distinction matters:
→ Confidentiality: keeping transaction amounts and sensitive financial data private
→ Not anonymity: users can still be identified when necessary
→ Selective disclosure: private by default, auditable when required
This creates a more practical path forward.
The future of onchain finance may not be a choice between privacy and regulation. It could be infrastructure designed to support both.
That’s the idea behind selective disclosure protecting financial privacy while preserving the ability to meet compliance and auditing requirements when needed. https://x.com/Zevryn0/status/2104972985115275426
## @joechalom (Joseph Chalom) · 09-29 16:49 · ♥53 ↻3 💬2 Yesterday I joined a policy seminar at the National Assembly of the Republic of Korea, hosted by Rep. Min Byung-duk and Rep. Lee Kang-il.
They are leading the Digital Asset Basic Act (Phase 2), the framework that will set South Korea's rules for stablecoins and digital asset markets. https://x.com/joechalom/status/2104976970899472847
## @Xfinancebull (X Finance Bull) · 09-29 16:01 · ♥44 ↻2 💬1 Bessent is talking about a 5% economy.
I’m thinking about the financial rails that could move all that money.
ripple:native stellar:native hedera-hashgraph:native
Treasury Secretary Scott Bessent keeps talking about an economy moving into an “acceleration phase.”
The Atlanta Fed’s latest GDPNow estimate is sitting at 5.0% annualized growth for Q3 2026.
-Factories. -Construction. -Capital spending. -Data centers. -Manufacturing.
More investment means more money has to move somewhere.
Companies need financing.
They need working capital. They pay suppliers overseas. They manage cash. They post collateral. They issue securities. They move dollars across borders.
And at the same time, the U.S. government is actively building rules around stablecoins, tokenized assets, public blockchains and faster cross-border payments.
That combination is exactly why I keep studying ripple:native, stellar:native and hedera-hashgraph:native.
Nobody in Washington needs to stand behind a podium and name these three coins.
Look at what their networks are already built to do. ripple:native
Ripple has RLUSD, Ripple Payments, custody, tokenization and XRPL.
RLUSD is a digital dollar backed by reserves that can include short-term U.S. Treasuries, government money-market funds and Treasury-backed repos. Then XRP sits inside XRPL as the native asset used for fees, reserves, settlement and liquidity functions.
stellar:native
DTCC plans to connect its Tokenization Service directly to the Stellar public blockchain in the first half of 2027.
We’re talking about traditional securities moving onto Stellar with faster settlement, extended trading hours and greater collateral mobility.
And every Stellar transaction still uses XLM for network fees.
hedera-hashgraph:native
Wyoming’s FRNT stable token is already live on Hedera.
Then you have Lloyds, Aberdeen and Archax using tokenized money-market funds and UK gilts on Hedera as collateral in FX transactions.
Real assets. Real institutions. Real financial activity moving onchain.
Bessent has also said the roughly $300B stablecoin market could grow tenfold by the end of the decade.
That would put the industry around $3 trillion under that scenario.
Where do those digital dollars move? Where do the tokenized Treasuries move? Where does the collateral settle?
Those are the questions I care about.
I believe ripple:native, stellar:native and hedera-hashgraph:native have a serious chance to capture pieces of that financial shift.
The physical economy is expanding. The financial system around it is going digital.
And I’ve been positioning around the infrastructure before the rest of the market fully wakes up. > 引用 @Xfinancebull: 🚨If you’re still asking why the sudden pump in $QNT ethereum:0xfaba6f8e4a5e8ab82f62fe7c39859fa577269be3 & hedera-hashgraph:native listen to what I’m saying here 👇
Institutional era is here & these digital assets have been building for years
Now? THEY'RE READY
The last one to explode will be $XRP
Let me explain
https://t.co/rp7qKusedr https://x.com/Xfinancebull/status/2104964670893248774