CEO of Stripe Patrick Collison announced that the Company is developing a new product based on stables, targeting companies outside the United States, the United Kingdom and the European Union. This follows the acquisition of bridge of $ 1.1 billion in Stripe, a stablecoin platform in October 2024.
Collison noted X that this initiative has been in development for almost a decade and now enters a test phase, the product taking advantage of The bridges Infrastructure to facilitate cross -border transactions. The Stablescoin market, planned to reach 3.7 billions of dollars with current capitalization at more than $ 235 billion according to gecko corner data, is considered a key area for Stripe to improve the efficiency of global payment.
The Stablescoin market refers to the cryptocurrency ecosystem designed to maintain stable value, generally set to a fiduciary currency (such as the US dollar), a basket of assets or other stable benchmarks. Unlike volatile cryptocurrencies like Bitcoin, the stablescoins aim to minimize price fluctuations, which makes them adapted to payments, funding of funds and as a reserve of value in digital transactions.
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Most stablecoins are set 1: 1 to assets like the US dollar (for example, 1 USDC = $ 1). This stability is maintained through: supported by reserves of fiduciary currency or cash equivalents (for example, USDC, USDT). Surre-collateralized by other cryptocurrencies (for example, DAI). Use algorithms to adjust supply and demand to stabilize value (for example, terrausd before its collapse). It facilitates rapid and low cost cross -border transactions (for example, the new Stripe product).
Challenge: Serve as a stable environment in decentralized finance for loan, trading and liquidity pools. It reduces the costs and delays in international monetary transfers and acts as coverage against the volatility of cryptography or unstable local currencies.
The stablescoins supported by Fiat are based on audits to check the reserves (for example, the Circle’s USDC publishes monthly reports). Lack of transparency can lead to concerns, as we see with Tether (USDT) in the past. In April 2025, the Stablescoin market was estimated at more than 3.7 billions of dollars, driven by the growing adoption of payments and the challenge. The main players include Tether (USDT) and USD Coin (USDC), USDT holding the largest market share due to its early domination.
Growth is fueled by integration by payment giants such as Stripe and Paypal. Request for effective cross -border transactions and regulatory clarity in certain regions, encouraging institutional adoption. Stablecoin transactions are settled more quickly and cheaper than traditional banking systems, especially for international transfers. It allows financial inclusion in regions with limited banking infrastructure.
Interoperability: Work in blockchain networks, improving the flexibility of digital ecosystems. Governments are concerned about money laundering, tax evasion and financial stability. The regulations vary worldwide, the EU Mica framework and the American proposals shaping the market. If the reserves are poorly managed or not fully sustained, Stablecoins can lose their ankle (for example, the collapse of Terrausd in 2022).
The stablecoins supported by the Fiat are based on centralized transmitters, which raises concerns about control and censorship. Stablecoins supported by crypto and algorithmic can be vulnerable to market accidents or algorithmic failures. The entry of Stripe, taking advantage of its acquisition of $ 1.1 billion bridge, points out the growing increasing adoption of stablescoins. By targeting non-American / British / European markets, Stripe aims to capture regions with high payment needs and underdeveloped banking systems. This could accelerate the use of the stable reserve in electronic commerce and cross -border payments. Pressure competitors like Paypal and Square to extend their cryptography offers.
Influence regulatory discussions while the main players plead for clear executives. The Stablescoin market should develop as blockchain technology improves scalability and interoperability. Digital currencies of the Central Bank (CBDC) complete or compete with private stables. Companies like Stripe integrate stablecoins into everyday trade, writing traditional finance and crypto.
