💳Stablecoins aren’t replacing banks but they are quietly unbundling what banks used to do exclusively. Payments, settlement, custody, and liquidity access are becoming modular and directly accessible. What once required a full banking relationship can now be done through

⚠️If stablecoins stopped paying yield, many would declare them dead. That conclusion is fundamentally wrong. The real advantage was never yield. It’s programmability, near-instant settlement, global reach, and on-chain transparency. Yield is an accelerant, not the engine.

Stablecoins have the potential to reshape cross-border payments and capital flows. They offer opportunities, but also bring new risks—financial integrity, regulatory oversight, consumer protection, capital flow management, monetary sovereignty, and more. Learn more:

📉The problem isn’t stablecoins. It’s the expectation that yield should be stable. Yield prices liquidity in real time. When demand spikes, it rises. When liquidity floods in, it compresses. ⚠️Volatility isn’t failure. It’s how markets work.

Stablecoin yield isn’t random. You’re just ignoring the cycle. 📈In speculative cycles, yields expand into double digits as leverage, basis trades, and funding demand surge. 📉In deleveraging phases, they compress fast. In payment and treasury driven periods, they settle into

🚫Most people misunderstand stablecoin yield. If it is only slightly higher than bank deposits, that is not weakness. It is equilibrium. Without subsidies or leverage, yield comes from short term Treasuries, repo markets, and real settlement demand in crypto and cross border

⚠️If a stablecoin guarantees no less than 8% year after year, you are not earning yield. You are underwriting hidden risk. The 4% to 6% range keeps reappearing across cycles for a reason. At that level, returns can be supported by short term Treasuries, repo markets, and real

🐎 Happy Year of the Horse. Wishing you health and prosperity in the year ahead. 💪Thank you for your continued trust. We look forward to shaping the future of Web3 payments together in 2026.