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🔥 $35 TRILLION MOVED… BUT ONLY 1% USED FOR REAL PAYMENTS?! 🔥
According to McKinsey & Artemis Analytics, stablecoins transferred over $35 trillion on-chain last year — yet only ~$380B was used for real-world payments like remittances, payroll, or suppliers.
That’s just 0.02% of global payments.
So what does this really mean? 👇
🐂 BULL CASE: “This Is Just the Beginning”
Bulls argue this data is bullish, not bearish:
Stablecoins already dominate on-chain settlement & liquidity
They’re becoming the backbone of crypto markets, not consumer wallets (yet)
Payments adoption usually comes after infrastructure matures
Regulation + better UX could unlock mass payment usage fast
👉 View: Stablecoins are quietly replacing SWIFT before replacing Visa.
🐻 BEAR CASE: “Payments Narrative Is Overhyped”
Bears see a warning sign:
Real-world usage remains tiny despite massive volume
Most activity is trading, arbitrage, and exchange settlement
Merchants & consumers already have fast, cheap alternatives
Regulation could limit permissionless payment use
👉 View: Stablecoins are financial plumbing, not everyday money.
⚖️ THE REAL QUESTION
Are stablecoins:
🔹 The future of global payments, just early?
🔹 Or a behind-the-scenes settlement layer that never goes mainstream?
💬 Where do YOU stand — Bullish or Bearish?
Drop your take 👇 Let’s debate.
#Stablecoins #CryptoDebate #DeFiInsights #CryptoPayments #BlockchainFinance