stablecoins

En el ecosistema cripto, ambas son stablecoins (1 ≈ 1 USD) y son las herramientas esenciales para ahorrar, transferir valor y refugiarse de la volatilidad. Pero, aunque el destino es el mismo, el camino que recorren es muy distinto. 👇
​USDT (Tether) | El Rey de la Liquidez
​Es la moneda más veterana y utilizada en el mercado.
​Liquidez imbatible: Es el estándar en casi todos los pares de trading.Adopción masiva: La encuentras en cualquier exchange y red (TRC20, ERC20, etc.).Transparencia: Sus reservas han sido cuestionadas históricamente por no ser tan claras como las de su competencia.Riesgo regulatorio: Siempre está bajo la lupa de las autoridades.
​USDC (Circle) | El Estándar de la Confianza
​Es la opción preferida por instituciones y perfiles que priorizan la seguridad.
​Auditorías reales: Reservas mensuales verificadas y transparentes.​Cumplimiento legal: Respaldada por el sistema financiero de EE. UU. (efectivo y bonos del tesoro).​Seguridad institucional: Mayor tranquilidad para grandes capitales.​Menos volumen: En ciertos mercados, su liquidez es menor comparada con USDT.
​¿Cómo gestionar tu capital con inteligencia?
​No se trata de elegir una y descartar la otra. La clave está en la estrategia:
​$USDT para la batalla: Úsala para trading rápido, scalping y mover fondos entre exchanges con máxima velocidad.
​$USDC para el búnker: Úsala para guardar valor, mantener tus ahorros a largo plazo y reducir el riesgo ante posibles problemas regulatorios de Tether.
​💡 El consejo de oro: Usarlas juntas no es una contradicción, es diversificación.
​En cripto, no gana el que corre más... gana el que sabe dónde estacionar su dinero cuando el mercado se pone difícil.
​#Stablecoins #USDT #USDC #TradingTips #CryptoEducación

Why predictable settlement, stable fees, and deterministic execution matter for stablecoin payments.
Key Takeaways
Payments impose different infrastructure requirements than trading or general computation, prioritizing predictability, consistency, and operational simplicity.
General-purpose blockchains introduce structural uncertainty through fee volatility, shared blockspace contention, and variable settlement behavior.
Stablecoin-native settlement streamlines the payment lifecycle by aligning on-chain execution with off-chain accounting, reducing operational complexity and enhancing efficiency.
Institutional adoption depends on protocol-level guarantees, not application-layer workarounds.
StableChain implements payment-native design at the base layer, providing the stability and reliability necessary for large-scale, dependable stablecoin settlement.
Payments impose specific, non-negotiable infrastructure requirements that differ materially from those for trading, general computation, or experimentation. As stablecoin usage increasingly reflects real-world settlement activity, infrastructure limitations become operational constraints rather than theoretical tradeoffs.
This article outlines why payment flows require dedicated blockchain design and the system-level principles necessary to support them at scale.
The 2025 Stablecoin Payments Shift
In 2025, stablecoin activity continued its transition from speculative trading toward broader settlement use:
Stablecoin transaction volume reached record highs, with full-year stablecoin activity estimated at ~$33T.
USDT processed $156B in transactions under $1,000, underscoring significant small-value transfer activity consistent with payment usage patterns.
USDT remained the dominant stablecoin by market value, with circulation exceeding $170B and representing roughly two-thirds of total stablecoin supply.
Together, these patterns point to a growing class of payment behavior characterized by low-value, high-frequency transactions, including consumer payments, remittances, payouts, and programmatic transfers. These flows place different demands on infrastructure than speculative activity. They require predictable fees, fast finality, and consistent performance, even when transaction values are small and margins are thin.
StableChain’s design supports this class of payment activity by prioritizing settlement behavior over generalized execution. As stablecoins increasingly operate as payment instruments, infrastructure must be optimized for volume, reliability, and cost efficiency at the micro-transaction level. Supporting this shift requires systems capable of continuous, global settlement rather than infrastructure optimized primarily for peak throughput or isolated high-value transfers.
Core Requirements of Payment Systems
Real-world payment systems impose technical and operational constraints that differ from general blockchain use cases. Key requirements include:
Predictable execution costs: Payments require cost consistency for budgeting, reconciliation, and operational planning.Deterministic settlement timing:Variable confirmation times introduce risk for treasury operations and service-level guarantees.High sustained throughput: Payment rails must handle continuous flows without performance degradation.Simple operational models: Institutions demand clear rules and low operational overhead.
Traditional financial systems were built around these principles; For stablecoin payments, meeting them at the protocol level becomes increasingly important.
General-purpose blockchain networks are designed to support diverse workloads, not to prioritize settlement as a first-order feature, which led to:
Unrelated demand spikes influence fee volatility.Non-deterministic transaction ordering affects service-level expectations.Variable settlement latency during congestion.
For payment systems, these characteristics translate into operational risk: unpredictable costs, reconciliation challenges, and variability in service delivery.
Institutional Operational Requirements
The gap between payment requirements and existing blockchain behavior becomes most visible at the institutional level.
For enterprises and payment providers, infrastructure is evaluated based on its behavior under real operating conditions. Key considerations include:
Treasury predictability, where costs and settlement outcomes must be forecastableSettlement finality, ensuring funds are available when expectedAuditability and compliance, requiring transparent and repeatable executionOperational reliability, minimizing exceptions, and manual intervention
When infrastructure introduces uncertainty at the protocol layer, institutions compensate with additional controls, buffers, and reconciliation processes. Over time, this complexity becomes a barrier to adoption.
Principles of Dedicated Payment Infrastructure
Infrastructure designed around settlement must structurally prioritize:
Settlement first, execution second:The network should guarantee consistent behavior for value transfer before optimizing for general computing flexibility.Stability over expressiveness:Reducing protocol complexity minimizes unpredictable behavior under load.Deterministic performance, including consistent block production and ordering, is fundamental for ensuring predictable and secure payments.
These principles are not inherent to every blockchain; they must be embedded in protocol design and operational assumptions.
Implementing Payment-Native Infrastructure with StableChain
StableChain applies these principles directly at the protocol level by prioritizing settlement behavior over generalized flexibility.
Its design focuses on:
Stablecoin-denominated fees, removing volatility from transaction costsDeterministic execution characteristics, enabling consistent settlement timingArchitecture optimized for sustained payment flows, not sporadic peak usage
By embedding payment requirements into the base layer, StableChain reduces uncertainty before applications build on top of it. This futureproofing allows developers, payment providers, and institutions to operate on infrastructure designed from the outset for real-world settlement.
Early mainnet indicators reinforce this positioning:
~0.8s finality for near-instant settlement120,000+ transactions processed13,000+ active addresses3,000+ contracts deployed
By designing for high-frequency, low-margin payment flows from the outset, StableChain provides a base layer that payment providers and enterprises can build on with fewer operational unknowns.
Looking Ahead
The evolution of stablecoin usage in 2025 underscores a critical infrastructure inflection point: settlement flows are no longer incidental; they are central. General-purpose blockchain systems, while flexible, are misaligned with the predictability and reliability required by payment systems.
Dedicated payment infrastructure, exemplified by StableChain, aligns protocol design with these requirements, providing a sustainable foundation for stablecoin-denominated settlement at scale.
#Stablecoins $USDT

Coinbase CEO Brian Armstrong has strongly criticized the U.S. Senate Banking Committee’s proposed crypto market structure bill. According to him, the bill would harm the crypto industry more than if there were no regulation at all. Armstrong shared his position on platform X (formerly Twitter), warning of serious consequences the legislation could have for decentralized finance, user privacy, and market competition.

Coinbase: This Bill Threatens the Future of Crypto
Armstrong pointed out that the Senate’s proposal would:

🔹 Ban tokenized stocks

🔹 Restrict the DeFi sector

🔹 Give the government access to users’ financial data

🔹 Undermine the CFTC’s role while empowering the SEC

🔹 Penalize stablecoins and block fair competition with traditional banks
He warned that the bill, in its current form, would damage innovation and strengthen the monopoly of large financial institutions. Nevertheless, Coinbase plans to continue working on improving the bill through dialogue with lawmakers.
“We appreciate the lawmakers’ bipartisan efforts, but this version is significantly worse than the status quo. We would prefer no bill over a bad one,” Armstrong stated.

Crypto Market Grows, While Regulation Lags Behind
Ironically, this debate comes at a time when the crypto market is surging again. The total market capitalization grew 3% in the past 24 hours, with Bitcoin heading toward $98,000 and Ethereum nearing $3,500.
Industry experts agree that clear legislation is needed to define when a digital asset is a security and when it is a commodity. While the proposed bill does grant more power to the Commodity Futures Trading Commission (CFTC), it also contains sections that could hinder the growth of stablecoins—therefore blocking the development of decentralized financial services.

137 Amendments Filed, Banks Accused of Influence
The bill has triggered a wave of public responses. So far, over 137 amendments have been submitted, with final wording expected after further negotiations. Meanwhile, crypto industry groups accuse banks of wielding excessive influence over the bill’s content.
Summer Mersinger, CEO of the Blockchain Association, stated that banks are pushing to shape the law in their favor, preventing new players from entering the market. Proposed limitations on stablecoin rewards would, she said, hurt consumers and block innovation before it can compete.

#coinbase , #CryptoNews , #brianarmstrong , #Stablecoins , #defi

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Bank of America CEO Brian Moynihan has warned that trillions of dollars could move out of the traditional banking system and into stablecoins, underscoring growing friction between banks and the digital asset sector.
According to Moynihan, as much as $6 trillion currently held in U.S. bank accounts could shift into stablecoins. That figure represents roughly 30% to 35% of all commercial bank deposits in the country. He raised this concern during the bank’s earnings call on Wednesday, noting that such an outcome would depend heavily on how stablecoins are regulated.
Moynihan said the estimate was based on research from the U.S. Treasury Department and is tied to ongoing debates in Congress, particularly around whether stablecoin issuers should be allowed to offer interest or yield to holders.
Banks are especially concerned that yield-paying stablecoins could accelerate deposit withdrawals. From their perspective, these products could function like bank accounts by offering returns, but without being subject to the same regulatory oversight. Moynihan added that many stablecoin models look more like money market funds than traditional deposits, since their reserves are typically held in short-term assets such as U.S. Treasurys rather than being used to finance loans to households and businesses.
He warned that if deposits continue to leave banks, their ability to lend across the economy could be weakened. Without customer deposits, banks would need to rely more on wholesale funding, which is generally more expensive and could raise borrowing costs overall.
In response to these concerns, Senate Banking Committee Chair Tim Scott introduced a proposal on January 9 that would ban digital asset service providers from offering interest or yield on stablecoins. The proposal has gained urgency as lawmakers face tight deadlines, with both banking and crypto industry groups pushing for numerous changes ahead of a committee vote this week.
The debate has also been complicated by recent disclosures that President Donald Trump earned hundreds of millions of dollars through crypto-related businesses linked to his family, raising unresolved questions around ethics and regulation.
#Stablecoins #CryptocurrencyRegulation #BankingIndustry #DigitalAssets #2026

$BTC
$ETH
$XRP

📅 January 15 | United States
While the US Congress wages one of the most delicate regulatory battles of the crypto cycle—who controls the yield of stablecoins and who keeps the money they generate—a new protocol has decided to get ahead of the political outcome. Generic Protocol isn't waiting for legislative clarity or implicit permissions: it has just launched GUSD, a stablecoin that is private by design and challenges the very logic of the stablecoin business.

📖Generic Protocol launched GUSD as what it calls the first natively private stablecoin, integrating a yield routing model completely different from the traditional one. Built on the Morpho lending protocol, GUSD does not issue new dollars nor does it rely on its own bank reserves. Instead, it functions as a meta-stablecoin, aggregating existing assets such as USDC, USDT, and USDS, and deploying them on on-chain markets.
The key difference lies in the destination of the yield. Unlike classic models—where the issuer captures the yield generated by the underlying assets—Generic redirects those returns to the distribution layer, allowing applications, networks, and end users to decide how to use it.
According to the team, the goal is to correct a structural imbalance that has turned many stablecoins into highly profitable businesses for issuers, but opaque ones for users.
Anthony Leutenegger, CEO of Aragon and founder of Generic, explained that the protocol is designed as a neutral and decentralized layer, not as a traditional issuer. By not controlling issuance, Generic avoids one of the main points of regulatory friction. Furthermore, by decoupling the yield from the asset itself, the protocol allows GUSD's partners to decide how to redistribute that value programmatically, compliantly, and without custody.

Topic Opinion:
GUSD is not just a new stablecoin; it's a technical response to a political problem that remains unresolved. Instead of waiting for Congress to decide who can pay yield and how, Generic redefines the game: it turns yield into infrastructure, not corporate profit.
💬 Do you think this model can avoid the regulatory clash that traditional stablecoins face?

Leave your comment...
#Stablecoins #defi #Privacy #USDC #CryptoNews $USDC $USDT

💥
Ripple, la société blockchain étroitement liée au XRP Ledger, annonce un financement stratégique de 150 millions de dollars à destination de LMAX Group dans le cadre d’un partenariat pluriannuel visant à promouvoir la stablecoin RLUSD auprès des institutions financières.
📌 Objectif clé de l’accord :
Intégrer RLUSD au cœur de l’infrastructure mondiale de trading de LMAX comme actif central de règlement et de collatéral.
🔍 Ce que cela change concrètement
Grâce à ce financement, LMAX va renforcer ses capacités multi-actifs, permettant à ses clients — banques, courtiers, fonds et gestionnaires d’actifs — d’utiliser RLUSD sur :
les marchés spot
les perpetual futures
les CFD
👉 Résultat :
meilleure efficacité du margin trading
réduction des frictions de capital
accès 24/7 aux marchés crypto et traditionnels
📊 À noter : LMAX a enregistré 8,2 billions de dollars de volume institutionnel l’an dernier, soulignant l’ampleur stratégique de cette intégration.
🏦 RLUSD : une stablecoin pensée pour les institutions
Ripple cherche clairement à positionner RLUSD comme une stablecoin fortement régulée et institution-grade.
Depuis son lancement il y a un peu plus d’un an, sa capitalisation dépasse 1,4 milliard de dollars (données RWA.xyz).
💬 « Il s’agit d’un partenariat stratégique. Le soutien de Ripple renforce notre vision d’un marché unifié et régulé couvrant le Forex et le crypto », a déclaré David Mercer, PDG de LMAX Group.
⚙️ Cas d’usage institutionnel
Un courtier utilisant aujourd’hui plusieurs pools de marge par classe d’actifs pourra désormais :
regrouper ses garanties en RLUSD
simplifier ses opérations
libérer de la liquidité
🔐 RLUSD sera accessible via :
LMAX Custody (portefeuilles séparés)
LMAX Kiosk (trading Forex Crypto avec collatéral en stablecoin)
intégration Ripple Prime x LMAX pour une liquidité plus profonde et une infrastructure de crédit unifiée
🚀 Ce partenariat confirme une tendance forte :
👉 les stablecoins deviennent des rails financiers institutionnels, bien au-delà du simple usage crypto-natif.
#Ripple #RLUSD #Stablecoins #InstitutionalCrypto #USDemocraticPartyBlueVault $XRP