2026-01-20 21:21:23

Industry insiders recently shared a bold prediction: stablecoins are very likely to become the global mainstream settlement infrastructure within the next ten years. This is not just a mere idea—once this shift truly happens, traditional banks will face significant challenges because their profit margins will be greatly compressed.

Even more interesting, this wave of change will open a door for ordinary users. Decentralized Finance (DeFi) will no longer be the exclusive playground of tech enthusiasts and crypto circles but will become a truly accessible financial service.

However, industry leaders also emphasized a key point: as cryptocurrency becomes increasingly institutionalized, the core principle of "permissionless" must not be abandoned. This is the soul of blockchain and must be preserved.

Another point worth noting—future mainstream applications will not be driven by speculation but will start from everyday lifestyles. Simple and user-friendly payment experiences are the key to opening the market.

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RuntimeError

· 5h ago

Unified stablecoins? Alright, but it might take a while before banks are really eliminated. The moat of traditional finance isn't that easy to break. I'm optimistic about the popularization of DeFi, but I'm worried it will just become a new playground for the little guys. The permissionless aspect must be maintained; once compromised, it's over. Payment experience is the key, and that's spot on.

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DataOnlooker

· 5h ago

Will stablecoins become the mainstream settlement method within ten years? Easier said than done. When that day comes, traditional finance will never concede no matter what. Wait, the most critical part here is actually permissionless. If that's lost, is it still blockchain? Then it becomes Central Bank Digital Currency 2.0. The last sentence hits the point—speculators should have already rolled out. The payment experience is the real king. But on the other hand, when can ordinary people start using stablecoins to buy vegetables at the market? It's still too competitive now. Whether this wave of reform can defeat traditional banks depends mainly on user education; otherwise, it's just another hype.

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NotFinancialAdvice

· 5h ago

Stablecoins still need to be implemented; endless predictions without action won't get us anywhere. Traditional banks being impacted? I think it's more about big institutions bottoming out and positioning themselves. The argument of "permissionless" sounds good, but when that day comes, who will still care if it's institutionalized? Simplicity and ease of use are indeed key, but the current on-chain experience still needs continuous optimization. Ten years is too long; I only focus on whether it can truly become mainstream within five years. This analysis makes sense, but what about risk warnings? It always seems to highlight only the benefits. DeFi is within reach? Many people still don't even understand how to use a wallet.

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NFTArchaeologist

· 5h ago

As for stablecoins, well, it sounds good but I still have some concerns. If that day really comes when traditional banks are wiped out, can our system hold up? Mainstream within ten years? I don't know, but it really has to start with the payment experience. Just shouting slogans, who would believe it? We cannot compromise on the permissionless aspect. Once we do, it's over. That's the bottom line.

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GasFeeNightmare

· 5h ago

Is a decade of stablecoins mainstream? Sounds good, but brother, right now I'm concerned about when gas fees will be cheap enough for humans to use. I'm really fed up—every time I transfer, I have to stare at gwei for a long time. Saving two bucks in fees means staying up for three hours to track it. That's my daily routine. Permissionless, yes yes yes, but first, ordinary people need to be able to operate on the chain without spending money. At the current state, it’s impossible to push forward. Payment experience is indeed the key, but only if you can afford the gas... Feels a bit like putting the cart before the horse. The painful history of cross-chain bridges tells me that infrastructure is still a long way off—don’t even mention ten years. Balancing the avoidance of institutional compromise with large-scale adoption—how to resolve this contradiction? It really feels like a pipe dream. Deep is thinking, if stablecoins really take off, will miner tips go completely out of control... Just thinking about gas wars keeps me awake.

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FlashLoanPrince

· 5h ago

Stablecoins, huh? It sounds good, but I think banks won't be easily shaken. After all, people's trust still lies with them. I agree that permissionless is a good point, but it's not something most people can understand right now. Payment experience is the key, no doubt, but it's still too complicated at the moment. Ten years? I think it will take at least twenty years. It's still too troublesome for ordinary people to use. The idea of widespread DeFi sounds wonderful, but who bears the risks? As for stablecoins, let's wait until true decentralization is achieved. Right now, it's still too centralized. Banks definitely won't be happy about profit compression, but they are also working on this area. Competition will be fierce. Core principles must not be abandoned, I support that, but in practice, they are too easily broken. Daily payments are the key, and that's correct. However, user education is the biggest challenge.

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