#BIS质疑稳定币支付能力力推代币化存款

Circle CEO: What Real-World Financial Problems Can Stablecoins Solve First? On August 19, 2026, Circle CEO Jeremy Allaire @jerallaire said during the earnings call AMA that stablecoins are moving from the digital asset market into real-world finance, where they are already being used for working capital, collateral, settlement, and payments. As real-world assets become tokenized, stablecoins are also supporting savings, investment, and cross-border payments, while businesses, fintech companies, and banks are integrating them into cross-border settlement. He believes stablecoins are already solving real-world financial needs at scale and will expand into more use cases with the growth of AI agents and programmable money.

Crypto gives people a way out. Many countries suffer from high inflation, or volatile currencies. The only way most residents used to be able to escape was to move, or hoard cash. Now stablecoins let them hold stronger global fiat currencies, like USD, far far easier, from anywhere in the world.

CZ: Stablecoins could reduce cross-border remittance fees to near zero On July 31, 2026, Binance founder CZ @cz_binance said in an interview at the ASEAN Tech Summit that stablecoins and blockchain technology could potentially reduce cross-border remittance fees in the Philippines to nearly zero. The Philippines receives around $35 billion in remittances annually, while traditional remittance fees generally range from 5% to 7%, and can reach as high as 10%. He believes reducing fees should be the top priority for stablecoin adoption, while blockchain can also significantly improve transfer speeds and enable more efficient cross-border payments.

I robot e agenti AI useranno stablecoins.

RT @austincampbell: David is correct that this kind of flew under the radar but it codified that for stablecoins (at least Genius ones), co…

This is big, no? FASB working to allow Stablecoins to be considered 'cash equivalent' Feels like this got buried in all the excitement but very bullish for stablecoin companies https://t.co/WrHJIg36Ev

The market is risk-on. What's the best yield for stablecoins out there right now?

While I do believe that banking the unbanked is obviously a great cause, let’s be clear, the primary reason stablecoins will continue to proliferate is because the federal government needs to stuff debt issuance, that it is rotating from the long end to bills, into them.

Banks can lend for thirty years because your deposit is slow to leave. The Dallas Fed says money that moves in seconds would cut that ability by about $700 billion. That is why banks fight stablecoins.

The internet made information global. Crypto is doing the same for money. I discuss how stablecoins bring the internet's original vision to finance, and this important “WhatsApp moment” in the @FT. https://t.co/PQpFoYvlp8 https://t.co/9s6V97gOiO

If banks roll out dollar deposits, why do institutions ever use stablecoins?

The head of the BIS, the central bank for central banks, Pablo Hernández de Cos said Friday that stablecoins, in their current form, aren't a credible means of payment at scale, and that tokenized bank deposits are the better path. A perfectly reasonable thing to say when your shareholders are central banks and the alternative keeps deposits inside the banking system.

I have been saying stablecoins are the best thing crypto has built. On Friday the head of the BIS stood up at Jackson Hole and said they are not credible for payments at scale. I still disagree with him. He is the most serious person to say it so far.

BIS Chief: Stablecoins Are Not a Credible Means of Payment at Scale According to Reuters, Bank for International Settlements (BIS) General Manager Pablo Hernández de Cos said at the Jackson Hole Economic Policy Symposium that stablecoins are not a credible means of payment at scale, while tokenized deposits offer a more compelling way to harness tokenization. He said the two could coexist, but tokenized deposits should handle most everyday payments, with stablecoins serving more specialized purposes. De Cos said stablecoins could lower government borrowing costs by increasing demand for U.S. Treasuries, but the migration of funds from bank deposits to stablecoins could also raise bank funding costs and borrowing rates for ordinary customers. He also cited limited interoperability and difficulties in consistently enforcing anti-money laundering controls. The growing adoption of dollar-pegged stablecoins in some jurisdictions could weaken monetary sovereignty and the effectiveness of domestic monetary policy. Tokenized deposits must also overcome interoperability, governance, and legal challenges.

Hmmmm: Stablecoins Will Only Have Value on PoS Ethereum Post-Merge - https://t.co/loGnBvcQrn

🔥 OPINION: BIS chief says stablecoins aren’t credible for payments at scale, backing tokenized bank deposits instead. https://t.co/Nr7l7dT6JO