In recent years, stablecoins have leveraged the advantages of “payment-as-settlement” and a “light account system,” demonstrating disruptive potential not only in traditional payment sectors but also in U.S. stock tokenization and AI Agent payment scenarios. RWAs provide crypto investors with more asset allocation options and are expected to drive rapid expansion of stablecoin scale; AI Agent payments may reduce user operational burdens and create new payment models. Bifu Academy brings you a comprehensive overview of the new stablecoin track and future trends.

U.S. Stock Tokenization: RWA Boom Resurfaces

As an important branch of Real-World Assets (RWA), U.S. stock tokenization is entering a critical implementation phase. Previously, stock tokenization briefly emerged on platforms like Mirror Protocol, supporting synthetic tokens of Tesla, Google, and other U.S. stocks, but regulatory restrictions and market volatility caused it to fade.

With regulatory frameworks gradually clarified, participants from traditional financial institutions such as BlackRock, as well as crypto institutions, are driving the revival of stock tokenization. Bifu Academy believes that given the massive scale of the U.S. stock market, stablecoin demand is expected to expand rapidly, and stock tokenization will become a key application scenario for stablecoins.

AI Agent: Ushering in a New Era of Smart Payments

Beyond RWAs, the combination of AI Agents and stablecoins is also attracting attention. In the future, AI Agents could replace humans in executing large numbers of payment operations, achieving truly intelligent payments.

Traditional financial account operations are complex, and multi-step authorization processes are not conducive to AI automation. Blockchain accounts, essentially smart contracts, naturally possess AI collaboration characteristics, as already demonstrated in protocols like flash loans and Automated Market Makers (AMM). Therefore, stablecoins’ light account system and blockchain smart contracts are inherently suitable for AI Agent control.

Bifu Academy notes: AI Agent payments are still in the early stages, and blockchain network efficiency remains a bottleneck. For example, Ethereum mainnet’s transaction throughput is far below traditional payment systems, requiring ongoing scaling and optimization.

Stablecoins’ Potential in International Payments

Stablecoins are not only suitable for RWA and smart payments but also show advantages in international payments. Their peer-to-peer and payment-as-settlement characteristics offer high efficiency and low costs for cross-border transactions.

• In some underdeveloped regions, users can complete USD payments via mobile blockchain accounts, overcoming the lack of banking services.
• Payment giant Stripe acquired Bridge and launched stablecoin financial account services covering 100+ countries, further bridging stablecoins and fiat systems.

Bifu Academy reminds: For large-scale payment adoption, stablecoins still need to overcome the blockchain “efficiency triangle” limitation. For instance, Ethereum mainnet’s processing capacity is far below traditional payment systems, requiring technical scaling and network optimization to support mass user demand.

Bifu Insights: The Next Step for Stablecoins

Bifu believes stablecoins are moving from a peripheral role in crypto to the core of financial innovation. With the rise of U.S. stock tokenization and AI Agent payments, stablecoins have the potential to become global liquidity attractors.

RWAs provide investors with richer asset allocation choices, while AI Agents bring intelligence and convenience to payments. Combined, they will serve as key catalysts for the new stablecoin ecosystem.

Looking ahead, Bifu will continue to track stablecoin innovation and applications in international payments, RWAs, and smart payments, exploring new possibilities in crypto finance with you.