The internet has enabled information to go global. Cryptocurrencies are having a similar impact on money. Although recent headlines have focused on Bitcoin prices, a deeper and more lasting transformation is quietly taking place in the digital payment space. This year, stablecoins—cryptocurrencies pegged to assets like the US dollar—have officially become the mainstream choice for online and cross-border payments.

Let's call it the "WhatsApp moment" for money. Just as messaging apps like WhatsApp reduced international SMS costs from 30 cents per message to zero, stablecoins are doing the same in financial transactions. Data proves this: after removing bots and unnatural transactions, last year's circulation of stablecoins exceeded $12 trillion, approaching Visa's total transaction volume of $17 trillion last year, but at a fraction of the cost.
In this process, stablecoins are bringing the internet's original vision of openness and interoperability into the financial sector. Thanks to blockchain technology enabling stablecoins to be programmable, money is essentially becoming software. (Golden Finance)
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