#稳定币 Seeing traditional banks actively embrace stablecoins truly excites me. The SoFiUSD launched by SoFi is not just an upgrade to a payment tool; more importantly, it symbolizes something — the door connecting traditional finance and the blockchain world is being opened more and more by institutions.

In the past, we always said that stablecoins are the infrastructure of Web3, but many people still see it as a theoretical concept. Now, with institutions holding US national bank charters and FDIC insurance issuing directly, backed 1:1 by Federal Reserve cash, what does this mean? The trust issue is completely resolved. Users can redeem immediately, with low-cost transfers 24/7. This is no longer an exclusive game for crypto natives but a genuine enterprise-level payment revolution.

FDIC is simultaneously establishing rules and procedures, with a 60-day public comment period already underway — this is a clear signal from US policy levels: stablecoins are not the opposite of regulation but an innovative direction that needs to be regulated and guided. Banks, fintech companies, and corporate platforms will all benefit from this, with exponential improvements in capital flow efficiency.

This is what I’ve been saying all along: Web3 is not about overthrowing the existing financial system but making it more efficient, transparent, and inclusive. As a bridge, stablecoins are moving from the periphery to the center. The future is here; it’s just a matter of who runs fastest on this track.