Crypto Market Fundamentals - Crypto market fundamentals are the strongest they've ever been [1] - Increasing adoption of stablecoins, tokenization, prediction markets, and DeFi are observed [1] - Crypto projects are finally distributing value to holders [1] - A regulatory pivot with a major catalyst (CLARITY ACT) is anticipated [1] Competition and Challenges - The AI bubble poses a challenge as crypto competes with AI for capital inflows [2] - Crypto is the first to be affected by the AI bubble crash [2] - Survival of the fittest is the only solution in the current market [2]

Tokenized Assets Overview - Over 1,000 tokenized assets or Real World Assets (RWAs) are tracked [1] - Coverage includes stablecoins, funds, and stocks [2] - Assets originate from over 80 issuers [3] Blockchain Network - Current coverage spans more than 30 chains [4]

Core Insights - dLocal has integrated with Circle Payments Network to facilitate seamless payouts in emerging markets, leveraging Circle's stablecoins for real-time cross-border payment settlements [1][2] - The integration aims to reduce the high costs and slow processing times associated with cross-border payments, which currently average 6.4% for sending $200, exceeding the UN's target of 3% [2] - The partnership enhances fund flows and enables efficient remittances and disbursements, improving the user experience for recipients in emerging markets [2][3] Group 1 - dLocal's infrastructure allows CPN participants to disburse funds in various local currencies across emerging markets, addressing the challenges of costly and slow cross-border payments [2] - Circle's Chief Business Officer emphasized the importance of creating a new payment layer to reach emerging markets quickly and cost-effectively, with dLocal's offerings being crucial to this goal [2] - The alliance is seen as a milestone in connecting global stablecoin liquidity with local payment ecosystems, enabling financial institutions and fintechs to operate more efficiently [2][3] Group 2 - The "One dLocal" concept allows global companies to manage payments, payouts, and settlements through a single API and platform, simplifying operations without the need for multiple processors [3] - Circle Technology Services operates the CPN, providing products and services to financial institutions for easier access and integration into the network [3] - CPN facilitates secure communication and direct settlement between participating financial institutions, although it does not manage customer accounts or hold funds [3]

Tokenized Assets Overview - Over 1,000 tokenized assets or RWAs are available [1] - The tokenized assets include stablecoins, funds, and stocks [2] - Assets are issued by more than 80 issuers [3] - The coverage extends to over 30 chains [4]

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Digital Asset Landscape - Digital assets possess the potential to reshape the global payment system, necessitating preparedness from regulators and the world at large [1] - Stablecoins are predominantly utilized within cryptocurrency trading mechanisms [1] - Digital asset wallets are expected to gain widespread adoption, potentially leading to a shift from traditional payment methods to stablecoin-based systems [2] Stablecoin Applications and Market Size - Digital assets, particularly stablecoins, present an opportunity for use as a medium of exchange beyond the crypto space, extending into the fiat currency realm [2] - The market capitalization of crypto and digital assets remains relatively low [4] - Stablecoins currently facilitate $20 billion (十亿) in daily flows, representing less than 1% of global payment system flows [4] - Stablecoins hold promise for various use cases, initially in retail and potentially expanding to the wholesale sector [4] Bank Involvement and Initiatives - Banks are exploring the issuance of stablecoins [3] - Certain banks are already issuing Hong Kong dollar stablecoins and participating in sandboxes for tokenized bank deposits in Hong Kong [3] - Banks are actively issuing tokens related to trade finance in Singapore [3] - Client needs and demands are paramount in banks' digital asset strategies [3]

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Michael Saylor Responds to Cathie Wood: Bitcoin and Stablecoins Do Not Compete with Each OtherIn a Nov. 14 CNBC interview, Strategy founder Michael Saylor responded to Cathie Wood’s revision of Bitcoin’s 2030 price target from $1.5 million to $1.2 million — a move tied to her view that stablecoin transaction growth would encroach on Bitcoin’s use cases. He argued the digital asset economy is expanding multidimensionally, splitting into two segments: one built around Bitcoin, which acts as digital capital ak ...

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🎧 TUNE IN: Is fiat-pegged decentralization possible, or are stablecoins the bridge to mainstream adoption?Head of media at StarkWare @NathanOnCrypto and @fraxfinance CEO @samkazemian break down why stablecoins are becoming crypto’s biggest real-world use case. https://t.co/sMzTwFWDH2 ...