“Stablecoins Are No Longer Just A Bridge Between Crypto and Fiat – They Become The Rails of Global Commerce, Writs Nonco Ceo Fernando Martinez.”, – WRITE: www.coindesk.com
Their Use Cases Are Broad, But Four Stand Out:
- Hedging in High-Inflation Economies
- Cross-Border Payments and Remittans
- Defi and Programmable Finance
- Trading and Liquidity
Of TESE, The Cross-Border and Remittance USE CASE HAS the BIGGEEST GROWTH PETENTIAL. USD-Denominated Stablecoins Are Quietly Replacing Swift for Small and Mid-Sized Flows-ALLOWING MONEY TO MOVE ACROSS The World in Seconds, Not Days.
Stablecoins Vs. Swift: ReinVenting Cross-Border MoneyWhat’s Being Disrupted Is Not Swift in General, But Swift As The Global Rail for Dollar Transfers. For DECADES, The US Dollar Has Been The Unit of Account for Global Commerceand Swift have been the messaging system coordinating thoss flows. NOW, INTEAD OF SWIFT AS The intermediary, USD Stablecoins Themselves Serve as The Transmission Rail: ProgramMable, Verifiable and Available 24/7.
Stablecoins Aren’t ReplaCing Swift at Scale-They Still Account for Less than 1% of Global Money Flows-But In Remittans, B2B Payments and E-Commerce, B2B Payments and E-Commerce USD Stablecoins Are Already Become The Faster, Cheaper Complement to the Dollar’s Traditional Wirem.
Speed, Cost, Adoption – Here’s The Comparison (2025):
The Problem: Two States of MoneyWhile USD Stablecoins Move Instantly in The Digital World, The Real Economy Still Runs On local fiat. That forces Liquidity Providers to Bridge Two Different States of Money:
- Digital (USD Stablecoins).
- Fiat (Local Currencies).
Today, this Mismatch Creates Frification. Liquidity Providers End Up Holding Pesos, Reals or Naira Overnight, Unable to Recycle Capital Unil Banks Reopen. The Fintech or End-USER BENEFITS from Instant Settlement-But The Provider Absorbs of the Coster Locked Balans. In Effect, Stablecoin Adoption is Capped by the Size of Provider Balance Sheets.
The Solution: FX on-Chain = One StateFX-on -chain Protocols Collaps the Two-State Problem Into A Single State: Digital. Insthead of Moving Between Stablecoins and Fiat Through Banks, FX-ON-CHAINE ENABLES Direct Swaps Between USD Stablecoins and Local-Currency Stablecoins.
This Unlocks Two Key Advantages:
By unifying flows digitally, Liquidity Providers Are No Longer Stuck Warehousing Risk. Insthead, Capital Circulates Continuously On-Chain-Just As It Does in Global FX Markets, But with Instant Settlement, Lower Costs and Transparent Liquidity.
Looking AheadStablecoins Are No Longer Just A Bridge Between Crypto and Fiat – They Are Become Rails of Global Commerce. From Households in Argentina Hedging Inflation, to Exporters in Nigeria Setting Invoices, to Institutions Arbitranging Spreads, Stablecoins Are EmbedDing Themselves Evelywes.
The Future Hinges on Three Fronts:
If the past decade was about bitcoin as “Digital Gold,” the Next Will Be About Stablecoins As “Digital Fiat” – Currently Only Digital Dollars and Ultimately, Digital Fiat for Everyone, EveryWhere.
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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