2025-12-26 08:20:44

The total market capitalization of stablecoins recently surpassed $310 billion, a 70% increase compared to a year ago. This growth rate actually highlights a significant trend in the entire crypto market — stablecoins have evolved from mere trading media into a more practical asset form.

Why is this happening? There are several core reasons. First, the demand for global payments is more complex than before, and institutional investors are starting to seriously consider the advantages of on-chain payments. Second, the DeFi ecosystem has been expanding over the past two years, with lending, liquidity mining, and other applications relying heavily on stablecoins as infrastructure. Third, the market itself is seeking more stable value anchors, especially during periods of Federal Reserve policy changes.

What does this mean? It means stablecoins are no longer just small-scale tools; they are becoming true circulating currencies in the digital economy. E-commerce settlements, cross-border transfers, and even micro-consumption scenarios could all be penetrated by stablecoins. This shift is gradual, but the trend is clear.

For ordinary investors, where are the opportunities? Not in blindly buying stablecoins themselves — since their price is always $1. The opportunities lie around the stablecoin ecosystem. Lending protocols in DeFi, emerging payment applications, and even ecosystem expansion by stablecoin issuers are potential directions for profit.

How to participate? First, understand the actual application scenarios behind stablecoin projects and the background of their issuers — don’t be blinded by simple TVL numbers. Second, allocate assets reasonably; stablecoins can be kept as a hedge, but don’t put all your chips into a single direction. Third, keep learning about industry developments, understand where the risks are, and be clear about what you’re playing.

This wave of stablecoin growth is not a flash in the pan but a reflection of improved infrastructure. But even the best trend requires a rational attitude — participate with money you can afford to lose. The market trend will continue to shift, so the key is not to be carried away by the rhythm.

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LiquidationWatcher

· 9h ago

The stablecoin ecosystem is indeed changing, but don't rush to all in. The surrounding projects are the real source of profit. DeFi lending also carries significant risks; you need to understand the underlying logic before taking action. 310 billion sounds large, but in reality, most users are leveraging. Institutional entry is a good thing, but retail investors need to carefully consider their risk tolerance. Getting off-topic, who can survive until the end in this round is still a question mark. Don't be fooled by TVL; the returns from liquidity mining sometimes can't withstand the risks. Stablecoins themselves don't have much opportunity, but the surrounding ecosystem is definitely worth paying attention to. Payment scenarios still need to wait for implementation; currently, more of it is driven by speculation. Institutional entry ≠ bottom safety; be careful not to get cut. The real trend hasn't arrived yet; this is just the prelude.

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GigaBrainAnon

· 9h ago

The stablecoin surpassing 310 billion is indeed a signal, but to be honest, buying USDT itself is already ridiculous haha. The surrounding ecosystem is the real activity; the lending protocols seem to have some potential.

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DAOplomacy

· 9h ago

tbh the whole "stablecoin as infrastructure" framing is doing a lot of work here... arguably the incentive structures haven't fully resolved yet. institutional adoption is real but path dependency on legacy payment rails suggests non-trivial headwinds remain unaddressed. curious what the tvl metrics actually obscure about underlying usage patterns tho

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GateUser-1a2ed0b9

· 9h ago

The surrounding stablecoin ecosystem is the real deal; don't be foolish and buy USDT directly. --- 70% growth sounds impressive, but the actual profits definitely don't come from stablecoins themselves. --- In simple terms, the infrastructure is now in place, and it's time to bottom out on DeFi protocols. --- I want to know which issuers have the most solid backgrounds; avoiding pitfalls is the hard truth. --- Institutional entry is a signal, but retail investors should still be cautious about following the trend. --- So, stablecoins are just tools; the real profit potential depends on how the surrounding ecosystem develops. --- This logic is sound, but in practice, who can truly distinguish between genuine demand and false needs? --- It's another slow bull market; there's no rush, patience is required. --- I prefer lending protocols over payment applications; the former carries too many risks.

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NoodlesOrTokens

· 9h ago

Stablecoins are on the rise, but the real profit depends on the surrounding ecosystem. Don't foolishly buy USDT directly. DeFi definitely has potential this time, but the key is not to follow the trend and just pile up TVL. A 70% growth rate sounds attractive, but you need to understand what you're actually playing. Stablecoins are just tools; the real value is in the application layer. Trust me, don't go all in on your assets; the risks are always bigger than you think. This is a signal of infrastructure development, but don't be brainwashed by public opinion. Institutional entry is a good thing, but retail investors need to stay alert—not every opportunity is for you. Trying with idle funds is okay; going all in is just asking for death.

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SmartContractDiver

· 9h ago

Stablecoins can't make money, so why are they so popular? Arbitrage in DeFi is the right way; don't be fooled by TVL. Thinking about taking off with 310 billion? Let's wait and see. So, we still need to focus on lending protocols; stablecoins themselves don't have a chance. Talking about infrastructure improvement again, how many times have we heard this? Honestly, with more people following the trend, the opportunities are diminishing. The ones who truly make money are always the ones eating the eggs, not the ones laying them.

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TommyTeacher

· 9h ago

The real profit lies in the stablecoin ecosystem peripherals; don't just foolishly focus on USDT.

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