Woofun AI reports that Tether co-founder Reeve Collins has identified critical structural inefficiencies within the prevailing stablecoin ecosystem. Collins argues that current models monopolize interest income generated from US Treasury bond investments, which currently yield between 3% and 4%, leaving users with mere payment utility while issuers retain all financial benefits.

To rectify this disparity, Collins deployed the STBL protocol, a decentralized solution utilizing a dual-token architecture. This structure separates stable payment functions from interest-bearing mechanisms, enabling users to automatically accrue earnings during transactions.

Furthermore, the platform empowers banks, brands, and sports teams to issue bespoke stablecoins with configurable asset backings and profit distribution frameworks.