Coin Bureau|09. Juli
The TRUTH About The New Dollar
Introduction
Stablecoins have evolved from a crypto "waiting room" into a critical component of global financial infrastructure. A new report by Binance Research shows that stablecoins increasingly fulfill the three core functions of money: store of value, transfer of value, and settlement of value.
Key Findings- Behavioral shift: 30% of Binance users with over $10 in portfolio now hold more than half their portfolio in stablecoins – compared to just 4% in 2020.
- Yield: Binance Earn has distributed around $1.2 billion in stablecoin rewards since 2022. On-chain dollar yields of 2-4% are significantly higher than the average US savings deposit rate of 0.38%.
- Premiums: 87% of fiat currencies trade at a premium when used to buy stablecoins. In hyperinflation economies, this premium can reach 62%.
- Exchange reserves: Stablecoin reserves on exchanges have grown to about $93 billion, with Binance alone holding $53 billion.
- Currency diversity: Non-USD stablecoins like Euri, AUR, and KGST have exceeded $5 billion in cumulative trading volume since 2025.
- Transactions: BNB Chain processes around 10 million stablecoin transactions per day with 15 million monthly active addresses.
- East Asia & Pacific: 70% of Binance Earn stablecoin balances.
- MENA: Fastest growing earn region, share rising from 5.53% to 9.21%.
- Latin America & Caribbean: Stablecoin transfer share rose from 17% to 38%.
- Weekend volume: Adjusted stablecoin transfers average around $76 billion per weekend – comparable to Visa's daily volume of $40 billion.
- AI payments: Small programmable payments (e.g., median X42 payment of $0.34) are a growing use case.
- On-chain FX: Non-USD stablecoin pairs reached over $3 billion in volume year-to-date 2026, up 670% versus 2024.
Stablecoins are increasingly used for saving, sending, spending, and building financial workflows around them – with different regional focuses. However, risks remain including peg stability, reserve transparency, and regulation. The report makes clear that stablecoins are becoming harder for the global financial system to ignore.
