Original source: Stables Labs

On February 19, during Consensus Hong Kong, Stables Labs and Cobo invited industry experts from HashKey OTC, Agora, SMARTS, TruBit, AEON, Infini, and Plume to engage in in-depth discussions on core topics such as crypto payments and stablecoins at the themed event "Global Reach, Boundless Payments."

Crypto payments are gradually moving towards the mainstream, with stablecoins, blockchain, and AI being three indispensable components of the major trend in crypto payments. As a major player in the stablecoin space, Stables Labs founder Flex shared his views on the transformation of the global financial system and the impact of stablecoins and AI on global capital efficiency.

AI, Blockchain, and Stablecoins: Transforming the Global Financial System

Flex believes that the future transformation of the global financial system will revolve around blockchain, AI, and decentralized payment systems. Stablecoins will not only serve as a substitute for the US dollar but will also act as a bridge connecting global financial markets. This is a significant financial transformation, and we are at the forefront of this change.

Stablecoins are gradually becoming a key infrastructure in the global financial system. As traditional cross-border payment systems like SWIFT are used in geopolitical games, more and more companies realize that relying on traditional banking systems is no longer sufficient to meet the demands of globalization in payments and capital management. Stablecoins provide a new solution that allows businesses and individuals to bypass complex banking networks, achieving more efficient and flexible capital flows.

The rise of AI will further drive the widespread adoption of stablecoins. The traditional financial system relies on manual management, and businesses and individual investors often need fund managers, bank advisors, and complex financial teams to manage assets. However, advancements in AI technology enable smart wallets to automatically manage DeFi accounts, optimize investment portfolios, and execute arbitrage strategies. AI can also monitor capital flows around the clock, optimize asset allocation, and ensure that investors achieve optimal returns. "As AI gradually replaces manual financial management, the way capital flows in global capital markets will undergo a complete transformation, and DeFi will truly become part of the global financial system, with stablecoins becoming the core infrastructure of this system," Flex stated.

Flex introduced that the stablecoins currently being developed by Stables Labs aim to connect DeFi and CeFi while being compatible with the traditional financial system. They mainly cover two directions:

· USDx Stablecoin: A risk-free arbitrage stablecoin, similar to wealth management products, with the core goal of combining DeFi and CeFi, allowing users to enjoy the returns of the DeFi ecosystem while also obtaining stable annual returns from CeFi.

· T-Bill Reserve Stablecoin: A stablecoin backed by T-Bills (U.S. short-term government bonds) as reserve assets, making the value of the stablecoin more stable and reliable, providing more predictable returns while ensuring capital safety.

How Stablecoins Reshape Global Capital Flows?

As global regulatory policies gradually clarify, stablecoin payments are evolving from marginal tools to core infrastructure of the global financial system. In the future, how companies utilize stablecoins to enhance payment efficiency within a compliance framework will become a new focus of global competition. In this regard, Stables Labs founder Flex proposed that stablecoin returns can be divided into three layers:

· Basic Return Layer: Ordinary users can purchase stablecoins with zero fees and obtain basic market returns;

· Credit Application Layer: Companies can obtain credit lines based on stablecoin assets for payments, loans, or investments;

· Structured Return Layer: Creating more complex return models based on stablecoins to provide higher-yield stablecoin asset management solutions for businesses and institutions.

"If the US dollar once replaced gold, then stablecoins may be the next financial tool to replace the US dollar," Flex believes that the future of stablecoins is no longer just a discussion within the industry but a key node in the transformation of the global economy.

Finally, Flex also shared his understanding of AI. The development of AI is changing the financial market, and Flex predicts that AI Agents will become important tools for digital asset management and will form a complementary relationship with stablecoins. He gave an example: "AI Agents can monitor your account balance and automatically manage funds. For instance, when AI detects idle funds in your account, it will proactively remind you whether you would like to deposit them into higher-yield stablecoin products. If the user chooses 'yes,' AI will automatically complete all operations." This means that AI Agents can bring the wealth management model from traditional finance into the crypto payment system, allowing ordinary users to enjoy a more intelligent capital management experience.

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