2026-01-11 22:20:13

One of the future forms of stablecoins is to truly become widely accepted payment tools. On efficient networks like BNB Chain, the extremely low cost of generating stablecoins actually offers considerable potential in the B2B cross-border payment space.

This is not just a pipe dream. Here's a very practical example: an on-chain gaming company needs to regularly pay overseas design studios. How to do it with traditional methods? Currency exchange, international wire transfers, layered fees—inefficient to the extreme.

What if we change the approach? The gaming company pledges part of its income (BNB or ETH) to instantly generate stablecoins and directly send them to the studio. The whole process is completed within minutes, with almost negligible costs, and every transaction is traceable. At this point, stablecoins become like business invoices in the crypto world—the role of a settlement tool becomes very clear.

And what about the studio after receiving the stablecoins? There are many options. They can keep them in DeFi to earn interest, or exchange them back to local fiat through payment service providers.

The real opportunity lies in integrating these kinds of stablecoins into more enterprise wallets and payment platform ecosystems. Once network effects form, these will no longer be just arbitrage tools—they will become the capillaries connecting the crypto economy with traditional business. By then, the fundamentals and actual needs will undergo a qualitative change.

BNB0,58%

ETH0,38%

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SleepTrader

· 11h ago

To be honest, I believe in this logic. Cross-border payments are indeed a pain point. However, the key is whether companies actually start using it; having technology alone with low costs isn't enough.

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WhaleWatcher

· 14h ago

This logic is indeed interesting, but the key is whether enough companies will actually use it. Otherwise, even at a low cost, it's just talk on paper. The pain points in cross-border payments do exist, but traditional institutions are also competing. SWIFT is reforming, banks are fiercely competitive, and for stablecoins to truly break through, it depends on volume. Wait, will gaming companies really pledge their main income? Is this risk calculation clear? The network effect sounds good in theory, but who dares to leave assets idle in the ecosystem now? It still needs to be exchangeable for hard currency; otherwise, it's just an illusion.

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alpha_leaker

· 01-11 22:49

Minutes to complete, negligible cost. This logic sounds great, but how many companies are actually daring to operate this way nowadays?

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GasFeeGazer

· 01-11 22:48

Hmm... sounds good, but we’ll have to wait and see if it truly becomes a payment tool. Wait, can the enterprise wallet ecosystem really take off? There are still too many arbitrageurs involved. Getting it done in minutes sounds great, but what about the de-pegging risk of stablecoins? That part is explained too lightly. You're right, cross-border payments are indeed a pain point. The analogy of capillaries is well used, but the prerequisite is that people actually start using it.

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0xDreamChaser

· 01-11 22:39

Minute-level zero-cost transfers? This is what stablecoins should really look like. --- Honestly, the traditional international wire transfer process should have been eliminated long ago. If stablecoins are used, companies can really save a lot. --- Once network effects kick in, it’s a whole different story, but there need to be enough people using it first. --- This cost advantage on BNB Chain really can't compete, but the question is how to achieve compliance? --- The analogy of capillaries is pretty good haha. If it could truly connect to traditional businesses, that would be amazing. --- Staking to generate stablecoins and then directly cross-border sounds incredible... Are there really projects doing this now? --- The DeFi yield aspect is the real highlight. Receiving stablecoins and still earning returns—this closed-loop logic is impressive. --- It still feels more like an arbitrage tool. If it’s to become a standard for payments, we might have to wait a long time. --- Traceability is actually very important for B2B, but whether large enterprises will buy in remains to be seen.

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HappyToBeDumped

· 01-11 22:35

Honestly, I now realize that the greatest value of stablecoins is not in speculation, but in this revolutionary payment efficiency... completing cross-border payments in minutes with almost zero cost. This is simply a dream in traditional finance.

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StableGeniusDegen

· 01-11 22:30

The fact that stablecoins are finally being recognized as a payment tool after all this time is great. Cross-border B2B is indeed a real necessity. --- Minute-level transfers are amazing, traditional wire transfers are laughable. --- The network effect can truly change the game, but the question is who will be the first to take the plunge. --- This logic is sound, but ecosystem development is much more difficult than technology. --- That capillary analogy, I’m impressed haha. --- Why does it feel like stablecoins have been saying the same thing all along? When will they actually be used? --- The real attraction in DeFi is earning yields; there are too many fiat on-ramps. --- The case of gaming companies is very realistic; our company has been doing this for a long time. --- The key is still regulation; no matter how good the logic is, it has to pass regulatory scrutiny. --- Can the cost of staking to generate stablecoins really be negligible? Who has tested this?

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PaperHandsCriminal

· 01-11 22:22

You're right, but it really depends on whether there are companies willing to put in the effort. If we really rely on network effects, I could have already sold three rounds of market cycles, haha. Honestly, currently only a few B2B companies can accept stablecoins, most studios still prefer to switch to fiat currency before they dare to accept. This logic feels similar to the previous NFT gaming approach—imaginative but execution always falls a bit short. Getting it done in minutes with low cost sounds great, but whether the company's finance team will agree is the real key.

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MetaMaximalist

· 01-11 22:22

tbh this is exactly the kind of adoption curve narrative that separates actual infrastructure thinking from the usual speculation theater. the b2b payments angle isn't new conceptually, but you're right that bnb chain's throughput + cost structure makes it actually viable where it used to be theoretical.

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