Arthur 0x Predicts Stablecoins to Dominate High-Value Transactions by 2025
Arthur 0x, a prominent figure in the crypto space, has predicted a significant shift in high-value transactions towards stablecoins within the next 3-5 years. He believes that traditional banking systems like US Bank and PNC Bank are too slow and inhibiting for fast-moving environments, with stablecoins offering faster and cheaper alternatives.
Stablecoins, such as USDC, settle transactions within seconds, a stark contrast to conventional bank transfers that can take up to five days. Moreover, stablecoin fees are significantly lower, ranging from $0.01 to $1 per transaction, compared to bank transfer fees that can reach up to 7 percent.
Arthur 0x also highlights the potential of permissionless blockchains like Ethereum and Solana. These platforms can handle up to 1,565,000 transactions per second and operate 24/7, making them ideal for high-volume, time-sensitive transactions. By 2025, USDC alone is expected to facilitate 10 billion merchant payments per month, with hedge funds and remittances making 50 billion every month through platforms like US Bank and PNC Bank.
Despite the potential, stablecoins face challenges such as regulatory scrutiny and fraud risk, which increased by 300 percent between 2022 and 2024. Key institutions and figures worldwide, including the US Congress and ECB, are discussing stablecoin regulations. As stablecoins gain traction in corporate payments, cross-border remittances, and merchant transactions, permissionless blockchains are seen as the future of money, with increased fraud monitoring by authorities like the Monetary Authority of Singapore (MAS).
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