CoinRank AMA: Stablecoins in 2025: The New Wave of Web3 Finance

KEYTAKEAWAYS

TABLE OF CONTENTS

• KEY TAKEAWAYS
• STABLECOINS: FROM PAYMENT TOOL TO FINANCIAL INFRASTRUCTURE
• MULTI-DIMENSIONAL USE CASES OF STABLECOINS IN 2025
• SYNERGY OF STABLECOINS, RWA, AND LAYER 2: THE WEB3 FINANCIAL STACK
• USD1: A NEW STABLECOIN MODEL AND ITS IMPACT
• LOOKING TO 2026 AND BEYOND: THE FUTURE ROLE AND CHALLENGES OF STABLECOINS
• CONCLUSION
• DISCLAIMER
• WRITER’S INTRO

CONTENT

In 2025, the role of stablecoins in the Web3 financial stack has changed a lot. They are no longer only payment tools. They have become core infrastructure for decentralized finance (DeFi). With the listing of WFI and the Trump family’s USD1 stablecoin drawing new attention, stablecoins now do more than act as trading pairs. They power on-chain liquidity, drive tokenization of real-world assets (RWA), and serve as pillars for DeFi yield strategies and payments. They link traditional finance and Web3, and offer a stable and active base layer for investors and builders to create the future of finance.

This AMA (Ask Me Anything), hosted by CoinRank, explores the evolution and future of stablecoins. The exact date is not specified in the materials. The goal is to explain why stablecoins remain the backbone of Web3 in 2025, and how new entrants like USD1 may shape the next phase.

Guests:

• Mike, CMO of Allinux, a company building an “everything is an exchange” platform.

• Boni from the Myro team, focusing on Bitcoin-based crypto payment solutions.

• Mark, COO of Lora Blockchain, which solves the “last mile” for connecting RWAs on-chain.

• Brian, CMO for Eurasia at GFK, the first licensed RWA exchange in Bahrain.

• Lee from Phoenix, the world’s first meme exchange.

• Mike from App Protocol, a fully decentralized on-chain protocol for DeFi 4.0 infrastructure.

• Helen from April, an infrastructure and data provider for the industry.

STABLECOINS: FROM PAYMENT TOOL TO FINANCIAL INFRASTRUCTURE

In 2025, stablecoins have moved beyond a single role as trading tools. They are now the core financial layer of Web3. They bring stability to a volatile market, while keeping blockchain-native features. This makes on-chain finance practical and scalable.

Several guests stressed their infrastructure role: • Mike (Allinux) said stablecoins are the backbone of their “everything is an exchange” concept. They connect CeFi and DeFi, tokenized RWAs, staking, and even daily card spending. They are the key “cash flow.” • Boni (Myro) sees stablecoins as the basis for practical and scalable daily crypto spending. Smooth and reliable stablecoin flows bridge digital assets and real-world commerce. • Mike (App Protocol) said stablecoins have become the core financial layer. With deep, transparent, and efficient liquidity, they work better for payments, lending, and cross-chain transfers. • Mark (Lora Blockchain) called stablecoins the “lifeblood” of their infrastructure, linking RWAs and DeFi.

MULTI-DIMENSIONAL USE CASES OF STABLECOINS IN 2025

Tokenization of RWAs: Stablecoins are the main medium for RWA settlement and payouts. They support tokenized bonds, commodities, and real estate. This lets global investors join in a safe and compliant way. Brian (GFK) said they link stablecoins with tokenized assets like natural gas or credit products. This gives stablecoins real yield and liquidity. It turns them from “idle cash” into a gateway to real returns and liquidity.

Enterprise use and treasury: At the enterprise level, stablecoins are becoming working capital for companies, DAOs, and even traditional funds. With global and fast settlement, they bypass slow banking rails. Mike (Allinux) noted they enable automated, programmable payments: instant revenue sharing, subscriptions, and global contractor payrolls. Mike (App Protocol) added that in emerging markets, stablecoins help avoid long bank processes. They make global trade faster and cheaper, and enable small payments like global subscriptions, tipping, or play-to-earn rewards at scale.

DeFi innovation: Stablecoins are the backbone of on-chain lending, yield strategies, and liquidity provision. They provide stability and improve capital efficiency in DeFi credit. Brian (GFK) views them as pillars of on-chain credit markets. This is key for DeFi to move from speculation to real finance. Lee (Phoenix) said stablecoins plus smart contracts can create decentralized insurance products that reduce fraud and speed up claims.

Use in emerging markets: Boni (Myro) observed that in emerging markets, people treat stablecoins as an inflation hedge. Many trust dollar-backed stablecoins more than local currencies. Mark (Lora) also said stablecoins help bypass slow banking systems there, making global trade faster and cheaper.

SYNERGY OF STABLECOINS, RWA, AND LAYER 2: THE WEB3 FINANCIAL STACK

In 2025, stablecoins, RWAs, and Layer 2 (L2) solutions are tightly linked. Together they form today’s financial stack. Brian (GFK) put it simply: stablecoins are the medium, RWAs are the yield, and L2 is the rail. • Stablecoins provide liquidity: They are the on-chain entry for dollars, anchored as stablecoins, and they feed liquidity into the ecosystem. • RWAs provide real yield: These stablecoins can be deployed into RWA products to produce real cash flows and returns. • L2 provides scalability: L2 makes the system efficient and low-cost. This enables mass adoption and broader users.

This creates a stack where “stable liquidity meets real-world yield, running on scalable rails.” It solves problems of high cost, speculation, and inefficiency.

USD1: A NEW STABLECOIN MODEL AND ITS IMPACT

Recently, the Trump family’s USD1 stablecoin drew wide attention. Mike (Allinux) believes the model is not radical. It is a fiat-backed stablecoin, with reserves in cash and Bitcoin, and BitGo as custodian, similar to USDC or USDT. Its difference lies in positioning and execution: • Regulation-first design: Helen (April) said USD1 represents a new generation of “compliance-native” stablecoins with “proof-first” design. It fits with regimes like Hong Kong’s stablecoin license and the EU’s MiCA. These require segregated reserves, auditability, and AML safeguards. • Ongoing proof of reserves: USD1 tries to use real-time data updates, not only quarterly or monthly PDFs. It aims to assess each bond or cash equivalent continuously. This is a big shift for transparency. • Transparency as a feature: After past trust shocks (e.g., Terra collapse or doubts about USDT), USD1 uses transparency as a selling point, not a burden.

Mike (Allinux) summed up: long-term success depends on transparency, smooth redemptions, and user confidence that they can redeem dollars. If it can do this, USD1 may become part of a stablecoin portfolio. If not, it may fade out.

LOOKING TO 2026 AND BEYOND: THE FUTURE ROLE AND CHALLENGES OF STABLECOINS

Most people in the field think stablecoins will stay as pillars of Web3 at least until 2026. They offer a stable, predictable, and widely accepted base of value. They already make up over 70% of crypto trading volume. Their settlement volume rivals PayPal. They work like a global “shadow dollar system.”

But stablecoins will keep evolving. Likely trends include: • Yield-bearing stablecoins: Helen (April) expects issuers to invest reserves in short-term treasuries. Some of the yield may go to holders. These coins may become on-chain money market funds. Brian (GFK) is also moving toward stablecoins that combine with RWAs and offer default yield. • AI-native money: As AI agents join the economy, we need money that is machine-readable, programmable, and secure. This may create AI-native stablecoins. • CBDCs: CBDCs will give institutions another choice. But they will likely complement, not fully replace, existing stablecoins. • Hybrid models backed by RWAs: Brian (GFK) expects more hybrid algorithmic models with RWA backing.

Stablecoins also face challenges. New digital money forms, such as CBDCs, other stablecoins, or fully decentralized currencies, may compete with better security, lower fees, or wider use cases. But these new forms must overcome regulation, technology, and adoption hurdles to challenge the current dominance of stablecoins.

In this changing landscape, infrastructure providers are critical. Mike (App Protocol) said that no matter if the future is USDT, USDC, CBDCs, or USD1-type hybrids, App Protocol will provide unified liquidity mechanisms and incentive structures for large-scale use. As an infrastructure and data provider, April will also offer verifiable real-time on-chain data, proof-of-reserves layers, price feeds, and audit layers required by regulators. This keeps the stablecoin ecosystem robust, like the “nervous system” of the bones.

CONCLUSION

Stablecoins will keep a strong position, but their forms and functions will be more diverse. They will adapt to a more complex Web3 finance system and changing regulation. They will connect the digital world with the real economy. They will remain a core driver of innovation in Web3 finance.