Crypto swings 10% a day.
Stablecoins? Always $1.
A stablecoin is a digital token pegged 1:1 to a stable asset (USD, EUR, GBP).
Think: crypto — but without the volatility.
✅ Fiat-backed (USDC, USDT, PYUSD) → backed by cash/T-bills in a bank.
⚙️ Algorithmic/crypto-backed (DAI) → collateralized by crypto.
For banks, EMIs & PSPs, only fiat-backed matters: regulated, redeemable, and bank-collateralized.
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Where they’re used today
💸 Payments & settlement — faster cross-border flows
🏦 Treasury — instant liquidity vs. bank deposits
🔗 On/off ramps — bridging fiat ↔ crypto
Visa already settles some payments in USDC. PayPal issues PYUSD via Paxos.
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Regulation catches up (2024–2025):
🇪🇺 MiCA → EUR stablecoins: 1:1 reserves, redemption rights
🇬🇧 FSMA 2023 → FCA & BoE oversight
🇺🇸 Still fragmented, but momentum building (Clarity for Payment Stablecoins Act)
👉 If it acts like money → regulate it like like money.
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Opportunities for EMIs & banks
🚀 Wallets & merchant settlement in stablecoins
⚡ Faster cross-border treasury flows
🛡️ Compliance through KYT + blockchain analytics
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Why it matters now
• Stablecoins already settle more value on-chain than Visa + Mastercard combined.
• USDT + USDC > $130B market cap.
• Regulation = adoption without the grey zone.
Stablecoins aren’t “future crypto hype.”
They’re today’s upgrade to global money movement. 💬
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