Arthur 0x believes that the majority of high value payments in business and finance will be processed through stablecoins soon. He claims that traditional banks are too slow and inhibiting in fast moving environments. The article identifies permissionless blockchains as the future of money. This is under an increased fraud monitoring by the Monetary Authority […]
Arthur 0x believes that the majority of high value payments in business and finance will be processed through stablecoins soon. He claims that traditional banks are too slow and inhibiting in fast moving environments. The article identifies permissionless blockchains as the future of money. This is under an increased fraud monitoring by the Monetary Authority of Singapore (MAS). The same limitations on regular banks slow the speed of transactions and annoy the users, driving them towards the decentralized options.
USDT, USDC and DAI are big ones. By October 2025, the overall stablecoin market cap also amounts to approximately $180 billion, comprising of USDT worth $120 billion and USDC worth 35 billion. Supply of stablecoins has increased 3,000 percent since 2019, as a result of the adoption of DeFi and decrypts.
This is because, when compared to conventional bank transfer, which takes 1-5 days to complete a financial transaction, stablecoins settle a transaction within a matter of seconds. Fees are low: bank transfer across borders may cost between 1-7 percent per transaction, but stablecoins only cost between $0.01 and a dollar. Permissionless blockchains like Ethereum and Solana can also offer 1565,000 transactions per second and 24/7 operation, which is not the case with banks using a centralized system with delays.
Corporate payments, cross-border remittances, and merchant transactions are among the areas where stablecoins are becoming a popular method of payment. By 2025, the USDC of Circle made 10 billion merchant payments and the hedge funds and remittances made 50 billion every month.
The regulatory scrutiny in fact is one of the major challenges. The regulators of the U.S. and international organizations have been researching stablecoin systems, and 60 percent of G20 countries have already been discussing the policies by 2025. The risk of fraud is significant: scams with stablecoins increased 300 percent between 20222024 resulting in 14 billion dollars lost.
Stablecoins are part of the pattern of challenging established finance, as PayPal did with its digital payments in 2000 and Bitcoin with the start of its launch in 2009.
Permissionless blockchains permit anyone to join without having to be approved centrally. More than 70 percent of the volume of stablecoin transactions takes place on these chains.
Arthur_0x is correct when saying that stablecoins will take over big-ticket transactions in 3-5 years because of the current trends of adoption. Benefits will be the speed of settlement, cheaper price and freedom of financing by banking rules. To reach the 10x growth in final market volume to $500B+ needed to become widespread, one must expect growing institutional adoption and DeFi growth. The new transfer limits in Singapore are a good example of the limitations of the conventional banking system and the increasing importance of stablecoins. Regulatory and fraud risks do not go away, yet the movement towards decentralized finance is obvious.
