Stablecoins在货币字段中迎来了“ WhatsApp时刻”：Panews

5月13日，Defillama数据显示，稳定币的市场价值达到2428.21亿美元。

Author: Weilin, PANewsOn May 13, defillama data showed that the market value of stablecoins reached 242.821 billion U.S. dollars. Among them, Tether's USDT market value exceeded 150 billion U.S. dollars for the first time, reaching 150.663 billion U.S. dollars, accounting for 62% of the market value. Closely following is Circle's USDC, which accounts for nearly 25% of the stablecoin market.In recent months, there have been continuous developments in the crypto market regarding stablecoins. For example, due to changes in the U.S. regulatory environment, Tether plans to launch a new dollar-backed stablecoin in the U.S. later this year. Circle submitted a public offering registration application to the U.S. Securities and Exchange Commission (SEC) on April 1, planning to go public.At the same time, giants with financial technology genes such as Stripe and PayPal are also actively entering the market. Combined with financial companies like BlackRock, traditional banks (like Bank of America and Standard Chartered Bank) and income-based stablecoin projects, these companies are expected to impact the situation where Tether and Circle share the world, bring more innovation to the stablecoin market, and promote mass adoption. Stablecoins are being used for cross-border payments, DeFi protocols, and on-chain transactions, and are also said by a16z Crypto to bring a "WhatsApp moment" in the currency field.In this article, PANews summarizes the recent stablecoin development trends of major technology and financial companies, providing a panoramic view of the track and demonstrating the industry impact they bring.Technology companies rush to stablecoin payments: Stripe, PayPal, Coinbase, etc.StripeOn May 7 and 8, Stripe announced the launch of the "Stablecoin Financial Account", which allows corporate users to hold account balances in stablecoins in 101 countries. In addition, they also released USDB through Bridge, a programmable stablecoin that developers can embed into their own applications and get rewards by building the USDB ecosystem.Stripe completed the acquisition of the stablecoin infrastructure platform Bridge for $1.1 billion in February 2025, further promoting the use of stablecoins in global payments. Bridge supports payment processing of stablecoins such as USDC, and Visa recently launched a payment card supporting stablecoins through Bridge.PayPalOn April 23, PayPal announced that starting in 2025, US users holding PYUSD in their PayPal or Venmo balances will receive a 3.7% yield. By offering a yield, they incentivize users to buy and hold stablecoins within their platform, while the use of PYUSD outside the platform can also bring more revenue to PayPal. The yield is just the first step, and there may be more measures to promote PYUSD trading volume and integration in the future.CoinbaseOn May 6, Coinbase launched the x402 payment standard, a stablecoin payment standard designed for Internet-native payments that aims to enable atomic transactions between APIs, applications, and AI agents.MetaOn May 9, Fortune reported that Meta, three years after abandoning the Libra/Diem project, is in preliminary talks with several crypto companies about the application of stablecoins, exploring cross-border payments to creators through stablecoins to reduce costs. Since January this year, former Plaid executive Ginger Baker has served as Meta's vice president of products, leading the relevant advancement.MoneyGramOn May 7, MoneyGram released “MoneyGram Ramps,” a stablecoin-enabled cash deposit and withdrawal channel covering more than 170 countries. MoneyGram has a global cash network and provides a new way for stablecoins to interoperate with daily consumption and spending.Traditional payment giants fight back: Mastercard and VisaOn April 28, Mastercard announced that it would cooperate with Circle, OKX, Paxos and other exchanges and wallets to launch a wider range of stablecoin integration, allowing consumers to spend stablecoin balances through Mastercard cards. At the same time, merchants can also directly settle fiat card payments into USDC.In addition, as mentioned above, on April 30, Visa announced a partnership with Stripe-backed Bridge to allow fintech developers to issue Visa cards pegged to stablecoins, allowing users to use stablecoin balances to pay at fiat currency sales points through the Visa network.These products significantly lower the threshold for users to adopt stablecoins by integrating with existing payment systems. Users do not need to worry about whether merchants support stablecoin payments, they can just use the bound Visa or Mastercard card to complete the payload. The two leading companies Circle and Tether consolidate their "moats", and Paxos launches a stablecoin allianceCircleOn April 21, Circle announced that it would launch the Circle Payments Network in partnership with a number of global banks and stablecoin startups to improve international payments. Circle directly challenges SWIFT and

作者：Weilin，Panewson 5月13日，Defillama数据显示，Stablecoins的市场价值达到2428.21亿美元。其中，Tether的USDT市场价值首次超过1.5亿美元，达到1506.66亿美元，占市值的62％。紧随其后的是Circle的USDC，该公司占Stablecoin市场的近25％。最近几个月，Crypto Market上关于Stablecoins的发展持续发展。例如，由于美国监管环境的变化，系绳计划在今年晚些时候在美国推出新的成本稳定股份。 Circle于4月1日向美国证券交易委员会（SEC）提交了公开申请注册申请。结合贝莱德（Blackrock），传统银行（例如美国银行和标准特许银行）和基于收入的Stablecoin项目等金融公司，这些公司有望影响Tether and Circle Circle Enlise Enloans Enloans，为Stablecoin Market带来更多创新，并促进大众采用。 Stablecoins用于跨境支付，DEFI协议和链交易，A16Z Crypto也表示，在货币领域中带来了“ WhatsApp时刻”。在这篇文章中，Panews总结了最近的Stablecoin开发趋势，主要技术和金融公司的竞争范围和全市范围都呈现出来。 Stripe，PayPal，Coinbase等5月7日至8日，Stripe宣布启动“ Stablecoin Financial帐户”，该帐户允许公司用户在101个国家 /地区持有Stablecoins的帐户余额。此外，他们还通过Bridge发布了USDB，这是一种可编程的Stablecoin，开发人员可以嵌入自己的应用程序中并通过构建USDB生态系统获得奖励。Strope完成了对StableCoin基础设施平台桥梁的收购，以11亿美元的价格在2025年以110亿美元的价格获得了全球付费的使用，从而进一步促进了全球付费的使用。 Bridge支持USDC等Stablecoins的付款处理，以及Visa最近推出了一张支付卡，通过Bridge.paypalon 4月23日通过Bridge.PayPal宣布，PayPal宣布，从2025年开始，美国用户持有Pyusd的PayPal或Venmo余额将获得3.7％的收益率。通过提供收益率，他们激励用户在其平台内购买和持有Stablecoins，而平台之外使用Pyusd也可以为PayPal带来更多的收入。 The yield is just the first step, and there may be more measures to promote PYUSD trading volume and integration in the future.CoinbaseOn May 6, Coinbase launched the x402 payment standard, a stablecoin payment standard designed for Internet-native payments that aims to enable atomic transactions between APIs, applications, and AI agents.MetaOn May 9, Fortune reported that Meta, three years after abandoning the Libra/Diem Project正在与几家加密货币公司的初步谈判中有关使用Stablecoins的应用，并通过Stablecoins探索跨境支付，以降低成本。自今年1月以来，前格子执行姜饼贝克（Ginger Baker）一直担任元元件副总裁，领导相关的进步。5月7日，Moneygram发布了“ Moneygram Ramps”，这是一个启用了StableCoin的现金存款和撤销渠道，涵盖了170多个国家。 Moneygram拥有一个全球现金网络，为Stablecoins提供了一种与日常消费和支出相互互操作的新方法。Straditional付款巨头进行反击：MasterCard和Visaon 4月28日，MasterCard宣布将与Circle，Okx，Paxos，Paxos和其他交流以及其他稳定范围的Converance Contable Carts Contable Compertc，允许使用STABLECIN，可以与Circle，Okx，Paxos和其他交流和其他交流和其他交易所合作。同时，商人还可以直接将菲亚特卡付款定位到USDC中，如上所述，如上所述，签证宣布与Stripe支持的桥梁建立合作伙伴关系，以允许Fintech开发人员与签证卡发行签证卡与StableCoins发行的签证卡，从而使用户通过稳定的销售量来降低该产品的销售。与现有的支付系统。用户不必担心商人是否支持稳定付款，他们只能使用绑定的签证或万事达卡卡来完成有效载荷。这两家领先的公司循环和束缚了他们的“护城河”，Paxos于4月21日推出了一家Stablecoin Alliancircleon，Circle宣布将与许多全球银行和Stablecoin Startups合作启动Circle Payments Network，以提高国际付款。圆形直接挑战迅速和