Original source: Stables Labs
On February 19, during 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 topics such as encrypted payments and stablecoins at the Boundless Payments Around the World themed event.
Crypto payments are gradually becoming mainstream, and stablecoins, blockchain, and AI are the three indispensable components of the crypto payment trend. As a major player in the field of stablecoins, Flex, the founder of Stables Labs, shared his views on the transformation of the global financial system and the impact of stablecoins and AI on global capital efficiency.
AI, blockchain and stablecoins: Transformation of the global financial system
Flex believes that the future transformation of the global financial system will revolve around blockchain, AI and decentralized payment systems. Stablecoins will not only be a substitute for the US dollar, but also a bridge connecting the global financial market. This is a huge financial change, and we are at the forefront of this change.
Stablecoins 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 the traditional banking system can no longer meet the needs of global payment and fund management. Stablecoins provide a new solution that allows companies and individuals to bypass the complex banking network and achieve more efficient and flexible fund flows.
The rise of AI will further promote the widespread use of stablecoins. The traditional financial system relies on manual management, and companies and individual investors often need fund managers, bank advisors, and complex financial teams to manage assets. The advancement of AI technology enables smart wallets to automatically manage DeFi accounts, optimize investment portfolios, and execute arbitrage strategies. AI can also monitor capital flows around the clock, optimize asset allocation, and ensure that investors get the best returns. When AI gradually replaces manual financial management, the way funds flow in the global capital market will usher in a complete change, DeFi will truly become part of the global financial system, and stablecoins will become the core infrastructure of this system. Flex said.
Flex introduced 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 a financial product, whose core goal is to combine DeFi with CeFi, so that users can enjoy the benefits of the DeFi ecosystem while also obtaining stable annualized returns from CeFi.
T-Bill Reserve Stablecoin: Using T-Bill (U.S. short-term Treasury bonds) as reserve assets makes the value of stablecoins more stable and reliable, makes returns more predictable, and ensures the safety of funds.
How do stablecoins reshape global capital flows?
As global regulatory policies become clearer, stablecoin 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 a compliance framework will become a new focus of global competition. In this regard, Flex, founder of Stables Labs, proposed that stablecoin benefits can be divided into three levels:
Basic income layer: ordinary users can purchase stablecoins at zero fees and obtain basic market income;
Credit application layer: Enterprises can obtain credit lines based on stablecoin assets and use them for payment, lending or investment;
Structured income layer: Create more complex income models based on stablecoins to provide enterprises and institutions with higher-yield stablecoin asset management solutions.
If the U.S. dollar once replaced gold, then stablecoins may be the next financial instrument to replace the U.S. dollar. Flex believes that the future of stablecoins is no longer a discussion within the industry, but a key node in global economic change.
Finally, Flex also shared his understanding of AI. The development of AI is changing the financial market. Flex predicts that AI Agent will become an important tool for digital asset management in the future and will complement stablecoins. He gave an example: AI Agent can monitor your account balance and automatically manage funds. For example, when AI finds that there is idle funds in your account, it will actively remind you whether you want to deposit higher-yield stablecoin products. If the user chooses yes, AI will automatically complete all operations. This means that AI Agent can introduce the wealth management model in the traditional financial field into the encrypted payment system, allowing ordinary users to enjoy a smarter fund management experience.
