政策破冰+万亿赛道启幕：稳定币概念的“长坡厚雪”才刚开始？

Core Insights - The global stablecoin market has surpassed $250 billion, with projections estimating it could reach $3.7 trillion by 2030, driven by regulatory support and increasing adoption in digital economies [1][9] - Stablecoins are distinct from cryptocurrencies like Bitcoin, serving primarily as payment tools rather than investment assets, and are pegged to real-world assets such as fiat currencies [1][3] Regulatory Developments - The passage of the U.S. GENIUS Act and Hong Kong's Stablecoin Regulation marks a significant milestone, providing regulatory clarity and legitimacy to stablecoins, which enhances market confidence [3][9] - These regulations are expected to facilitate the long-term development of stablecoins, allowing for innovation while establishing compliance frameworks [5][9] Market Dynamics - Stablecoins address traditional financial pain points by linking fiat currencies with virtual currencies, thus streamlining transactions and reducing costs [6][7] - The inherent characteristics of stablecoins, such as lower transaction costs and higher efficiency, make them suitable for cross-border payments, potentially transforming the cross-border settlement landscape [7][8] Future Outlook - The anticipated growth in stablecoin issuance is supported by optimistic forecasts from financial institutions, with Standard Chartered predicting a $2 trillion issuance by 2028 and Citibank suggesting a market cap of $3.7 trillion by 2030 [9] - Companies in fintech, cross-border payments, and blockchain technology are expected to benefit from the rise of stablecoins, as they align with the ongoing digital economy trends [9][10]