世界最穷的非洲，成了全球最潮的币圈玩家

Group 1 - The article discusses the growing popularity of stablecoins in regions like Africa, Southeast Asia, and South America, where people prefer them over local fiat currencies due to high inflation and economic instability [4][18][30] - In Africa, digital payment accounts reached 856 million in 2023, accounting for 50% of global registered accounts, with a 70% contribution to global growth [8][10] - The average inflation rate in Africa is projected to reach 18.6% in 2024, leading people to lose faith in local currencies and seek stable alternatives like stablecoins [18][20][22] Group 2 - Stablecoins, such as Tether (USDT), are pegged to fiat currencies like the US dollar, providing a stable medium for transactions and savings in regions with volatile local currencies [14][16][24] - The emergence of platforms like Yellow Card allows users to purchase stablecoins with local currencies, facilitating easier access to foreign currency and financial services [24][25] - The transaction volume of stablecoins has surged, with Tether's total holdings reaching $120 billion, and the annual transaction volume exceeding $28 trillion, surpassing traditional payment networks [40][41][45] Group 3 - The article highlights the dual nature of stablecoins, being used for legitimate financial transactions as well as illicit activities, such as money laundering and evading sanctions [31][33][36] - Countries like Russia have turned to stablecoins for international trade settlements after being excluded from the SWIFT system due to sanctions [36][38] - The US government is increasingly focusing on regulating stablecoins, with new legislation aimed at ensuring they are backed by US dollars or government bonds, potentially increasing their market supply significantly [50][52][55] Group 4 - The rapid growth of stablecoins raises concerns about their potential to reinforce the dominance of the US dollar in the global financial system, creating a "shadow dollar" effect [46][48][60] - The article warns that while stablecoins offer a decentralized alternative, they may still be subject to the same risks as traditional financial systems, including trust issues and regulatory scrutiny [58][62]