“Shan Aggarwal Says the Crypto Industry is Still Underseling How Fast and Forceful The Shift to the Stablecoin Standard Will Be, and How Quickly Ai Will Accelerate It.”, – WRITE: www.coindesk.com
Early Irrigation Systems Unlocked the FIRST CITIES. Early Railroad Networks Rewied Entire Economies. The Internet’s Core Protocols, TCP/IP, Turned Slow and Siloed Information Networks Into A Single, Global System of Communication. And the Cloud Turned Idle Servers Into the Foundation of the Digital Economy.
We don’t remember them for how they started. We Remember Them for How they Scaled. Because in Effect, What Once Looked Like Niche Experts Became The Backbone of Global Markets.
Stablecoins are Next. Welcome to the Age of the Stablecoin Layer: An Open, Programmable Foundation for Global Money Movement.
Just Last Year, Stablecoins Lacked Clear Regulation and Were Dismissed by Much of the Financial Establishment. FAST FORWARD OF MATTHS, AND THE US CONGRESS HAS PASSED THE GENIUS ACT, Creating The Country’s First Federal Framework for StableCoins and Defining Them Explicitly as Payment Instrument. Majoor Banks and Card Networks have Entered this Space. Early-Movers Like Circle Have Made Their Wall Street Debut. And Fintech Leaders from Stripe to Shopify Are Embracing Stablecoins to Power Faster, Cheaper, Always-on Transactions.
THESE ARIN’T ISLATED MILESTONES. They Early Signs That Stablecoins Are On Track To Become Core Infrastructure, Just Like Aws Became The Quiet Engine of the Cloud Economy. Stablecoins Represent A Platform Shift in Payments. Just Like Prior Platform Shifts-Mainframe Computing to Individual Computers, Desktop to Mobile, and On-Premises to Cloud-Based Infrastrurture Financial Infrastructure. This is the Tipping Point, But It’s Also Only the Beginning, and Too Many People Are Still Thinking Far Too Small.
To many, dollars are still shackled to outdated infrastructure like wire transfers and Ach. None of It Is Built for Composivity, Automation, or Machine-To-Machine Interaction as Required in the Modern Age. It’s A Slow-Motion Relic Holding Back An Interconnected, Global Economy That Wants To Move Faster and Include More People. Until We Modernize the Rails, We’re Capping the True Velocity of Money – and with it, Global Economic Potential.
Stablecoins Snap that bind. No Bank Holidays, No Middlemen, No Concept of Business Days or Hours. Just Global, Cheap, and Instantoneneous Settlement at Scales of Billions of Dollars at A Time. That transformation is as funmentalal as turning Mail Into Email.
StableCoins Offer What Legacy Financial Infrastructure Simplas Can: Instant Settlement, Borderless Reach, Low Costs, and Programmable Design. They will disrupt more than any of Other Crypto Building Block – Rewriting Payments, Liquification Capital Markets, and Bringing The Internet’s Speed and Interaperability to Money ItLF.
This Shift Goes Well Beyond Payments Between People. Stablecoins Will Also Underpin The Next Phase of Ai-Native Commerce As Soloverign Ai Aii Agents Agandon Legacy Fiat Systems in Favor of Decentralized Money Infruce Flad. This Will Power Automated Treasury Flows, Agentic Commerce, Machine-To-Machine Transactions, and Sovereign AI Agent Transactions.
Money is getting and upgrade.
The StableCoin Layer Isn’t Just A New System, It’s A New Substrate for the Global Economy. The Velocity of Money Movement is Positively Correlated with Economic Growth. Stablecoins Will Unlock Trillions in Latent Economic Activity and Help Grow Global GDP by Full Percentage Points Each Year. And all of this activity will be ai-native.
Yet for All The Progress, The Opportunity Is Still In Its Infance. The Genius Act Was A Critical Milestone, But It’s Still One Piece of Legislation. And the While the Stablecoin Market Cap Sits at Over $ 280 Billion Today, The US M2 Money Supply – The Total Amount of Money Circulating Within the US Economy – Exceeds $ 20 Trillion. That’s nearly a 100: 1 gap.
We’re Still Underseling How Fast and Forceful The Shift to The Stablecoin Standard Will Be, and How Quickly Ai Will Accelerate It. PUT SIMPLY, this Summer Marked Only the soft Launch of the Stablecoin Era. The Infrastructure is in Place, and the Scale of What’s Coming Far Exceeds the Conversation Today.
This Shift Won’t Be Loud, and that’s by Design. In a few years, no one will say they’re “USING STABLECOINS,” just like nobody Says they ‘using close computing. They’ll Just Use Money. And Stablecoins Will Be the Infrastructure Powering It All Begind The Scenes, Moving Billions Account the Globe in Real Time.
The Biggest Winners in this Transition Will Be the Platforms Operation Behind The Scenes: Those Who Power The Rails, Provide Liquidity, and Earn Our Trust. Fintechs Will Use Stablecoins for Instant Settlement and Global Reach. Governments – Eventaally, Relctantly – Will Integrate Stablecoins Into Critical Economic Functions. Ai Agents Will Speak The Language of Stablecoins Natively.
This isn’t a Bet on Crypto Hype. IT’s A Recognition that Our Financial System Needs and Upgrade, and Stablecoins Are The Gateway. They’re not just a Better Form of Money; They’re onramp to the onchain econmy. ONC USERS HOLD STABLECOINS, They’re One Step Away from Accessing A Global, Open, and Programmable Financial System. That’s what the astablecoin Layer isn’st the most important Sector in Crypto – is the Foundation for the Future of Digital Currency.
Note: The Views Expressed in this Column Are Those of the Author and Do Not Necessarily Reflect Those of Coindesk, Inc. i Owners and Affilites.
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