自7月美国立法以来，稳定币使用量暴涨70%！

Core Insights - The passage of the first U.S. legislation targeting the cryptocurrency industry has led to an increase in the use of stablecoins for everyday transactions, with a notable rise in their adoption for purchasing goods and services [1][3]. Summary by Sections Market Response to Legislation - Following the enactment of the Genius Act in July, which aims to regulate stablecoin issuance, the transaction volume using stablecoins has increased significantly. In August, the transaction volume reached approximately $10 billion, up from $6 billion in February [1][2]. Annual Payment Scale Projection - If the current monthly transaction levels are maintained, the annual payment scale for stablecoins is projected to reach around $122 billion. This growth, while still small compared to traditional payment systems, indicates a gradual acceptance of stablecoins in specific scenarios [3][4]. Shift in Payment Dynamics - Business-to-business (B2B) transactions now account for about two-thirds of the total stablecoin payment volume, highlighting a shift from peer-to-peer (P2P) transactions. B2B transfers are estimated at around $6.4 billion per month, showing a significant increase since February, while P2P transactions remain stable at approximately $1.6 billion per month [4]. Efficiency in Business Payments - Companies are increasingly adopting stablecoins to enhance payment efficiency, as traditional cross-border payment processes often involve delays due to multiple bank intermediaries. The average transaction amount for business stablecoin payments is about $250,000, where speed is crucial [4].