GuShiio.com Article source: Stables Labs
On February 19, during their stay in Consensus Hong Kong, Stables Labs and Cobo invited industry experts from HashKey OTC, Agora, SMARTS, TruBit, AEON, Infini, and Plume to conduct in-depth discussions on core issues such as crypto payments and stablecoins during the theme event of “Crossing the World: Unbounded Payments”.
Cryptocurrency payments are gradually moving towards the mainstream. Stabiloins, blockchain, and AI are the three indispensable components in the general trend of cryptocurrency payments. As a major player in the stablecoin field, Flex, founder of Stables Labs, shared his views on changes in the global financial system and the impact of stablecoins and AI on global capital efficiency.
AI, blockchain and stablecoins: Changes in the global financial system
Flex believes that future changes in the global financial system will focus on blockchain, AI and decentralized payment systems. Stable coins will not only be a substitute for the US dollar, but also a bridge connecting global financial markets. This is a huge financial change, and we are at the forefront of this change.
Stabilicoins are gradually becoming a key infrastructure in the global financial system. As traditional cross-border payment systems such as SWIFT are used in geopolitical games, more and more companies are realizing that relying on traditional banking systems has become difficult to meet global payment and fund management needs. Stable coins provide a new solution that allows companies and individuals to bypass complex banking networks and achieve more efficient and flexible capital flows.
The rise of AI will further promote the widespread application of stablecoins. The traditional financial system relies on manual management, and corporate and individual investors often need fund managers, bank advisers, and complex financial teams to manage assets. Advances in AI technology allow smart wallets to automatically manage DeFi accounts, optimize investment portfolios, and implement arbitrage strategies. AI can also monitor capital flows around the clock, optimize asset allocation, and ensure that investors receive optimal returns. “When AI gradually replaces artificial financial management, the way funds flow in global capital markets will undergo radical changes. DeFi will truly become part of the global financial system, and stablecoins will become the core infrastructure of this system.” Flex said.
Flex said that the stablecoin currently being developed by Stables Labs aims to connect DeFi and CeFi while being compatible with the traditional financial system. Currently, it mainly covers two directions:
· USDx stablecoin: A risk-free arbitrage stablecoin, similar to wealth management products. The core goal is to combine DeFi and CeFi, allowing users to enjoy the benefits of the DeFi ecosystem and also obtain stable annualized benefits of CeFi.
· T-Bill Reserve stablecoins: Use T-Bill (U.S. short-term treasury bonds) as a reserve asset to make the value of stablecoins more stable and reliable, make returns more predictable, and ensure the safety of funds.
How can stablecoins reshape global capital flows?
As global regulatory policies gradually become clearer, stablecin payments are evolving from marginal tools to core infrastructure of the global financial system. In the future, how companies use stablecoins to improve payment efficiency under the compliance framework will become a new focus of global competition. In this regard, Stables Labs founder Flex proposed that the benefits of stablecoins can be divided into three levels:
·Basic revenue layer: Ordinary users can purchase stablecoins at zero rates and obtain basic market revenue;
·Credit line application layer: Enterprises can obtain credit lines based on stablecoin assets and use them for payments, loans or investments;
·Structured revenue layer: Create a more complex revenue model based on stablecoins to provide companies and institutions with higher-yield stablecoin asset management solutions.
“If the dollar once replaced gold, then stablecoins may be the next financial instrument to replace the dollar.” Flex believes that the future of stablecoins is no longer an industry discussion, but a key node in global economic transformation.
Finally, Flex also shared its understanding of AI. The development of AI is changing financial markets. Flex predicts that AI Agents will become an important tool for digital asset management in the future and form a complementary relationship with stablecoins. He gave an example: “AI Agent can monitor your account balance and automatically manage funds. For example, when the AI finds that there are idle funds in your account, it will proactively remind you whether you want to deposit a higher-yield stablecoin product. If the user selects ‘Yes’, the AI will automatically complete all operations.” This means that AI Agents can introduce wealth management models from the traditional financial field into the encrypted payment system, allowing ordinary users to enjoy a smarter fund management experience.
This article is from a submission and does not represent the views of BlockBeats.
