Stables Labs Founder Flex: Stablecoin Is the Next Financial Tool to Replace the Dollar

Article Source: Stables Labs

On February 19, Stables Labs and Cobo, during Consensus Hong Kong, invited industry experts from HashKey OTC, Agora, SMARTS, TruBit, AEON, Infini, and Plume to participate in the "Across the Seas, Payment Unbounded" themed event. They engaged in in-depth discussions on core topics such as crypto payments and stablecoins.

Crypto payments are gradually moving towards mainstream adoption, with stablecoins, blockchain, and AI being the indispensable trio under the overarching trend of crypto payments. As a major player in the stablecoin space, Stables Labs' founder, Flex, shared his views on the global financial system transformation, as well as the impact of stablecoins and AI on global fund efficiency.

AI, Blockchain, and Stablecoins: Transformation of the Global Financial System

Flex believes that the future transformation of the global financial system will revolve around blockchain, AI, and a decentralized payment infrastructure. Stablecoins will not only serve as a substitute for the US dollar but also act as a bridge connecting the global financial markets. This is a significant financial revolution, and we are at the forefront of this transformation.

Stablecoins are gradually becoming a key infrastructure in the global financial system. With traditional cross-border payment systems like SWIFT being used in geopolitical games, more and more enterprises realize that relying on the traditional banking system is no longer sufficient to meet the demands of globalized payments and fund management. Stablecoins provide a new solution, allowing businesses and individuals to bypass the complex banking network and achieve more efficient and flexible fund flows.

The rise of AI will further drive the widespread adoption of stablecoins. The traditional financial system relies on human management, where enterprises and individual investors often require fund managers, bank advisors, and complex financial teams to manage assets. With advancements in AI technology, smart wallets can now automatically manage DeFi accounts, optimize investment portfolios, and execute arbitrage strategies. AI can monitor fund flows around the clock, optimize asset allocation, and ensure investors achieve maximum returns. "As AI gradually replaces human financial management, the flow of capital in global capital markets will undergo a thorough transformation, with DeFi truly becoming part of the global financial system, and stablecoins becoming the core infrastructure of this system," Flex stated.

Flex introduced that Stable Labs is currently developing stablecoins designed to connect DeFi and CeFi while remaining compatible with the traditional financial system. The project currently focuses on two main directions:

· USDx Stablecoin: A risk-free arbitrage stablecoin, similar to a financial product, with the core goal of combining DeFi with CeFi, allowing users to enjoy the yield of the DeFi ecosystem while also receiving the stable annualized return of CeFi.

· T-Bill Reserve Stablecoin: Using T-Bills (U.S. Treasury Bills) as reserve assets to make the stablecoin's value more stable and reliable, providing more predictable returns while ensuring fund security.

How Are Stablecoins Reshaping Global Capital Flows?

As global regulatory policies gradually clarify, stablecoin payments are transitioning from a niche tool to the core infrastructure of the global financial system. In the future, how enterprises can leverage stablecoins to improve payment efficiency within a compliance framework will become a new focus of global competition. In this regard, Stables Labs founder Flex proposes that stablecoin yield can be divided into three layers:

· Base Yield Layer: Regular users can purchase stablecoins at zero fees and receive basic market yield;

· Credit Line Application Layer: Enterprises can obtain credit lines based on stablecoin assets, used for payments, lending, or investment;

· Structured Yield Layer: Creating more sophisticated yield models based on stablecoins to provide enterprises and institutions with higher-yield stablecoin asset management solutions.

“If the U.S. dollar once replaced gold, stablecoins may be the next financial instrument to replace the dollar.” Flex believes that the future of stablecoins is no longer just a discussion within the industry but a key point of global economic transformation.

Lastly, Flex also shared insights about AI. The development of AI is transforming the financial markets, and Flex predicts that in the future, AI Agents will become essential tools for digital asset management and will complement stablecoins. He gives an example: “An AI Agent can monitor your account balance and automatically manage funds. For instance, when the AI detects idle funds in your account, it will proactively ask if you would like to deposit into a higher-yielding stablecoin product. If the user chooses 'yes,' the AI will automatically complete all operations.” This means that AI Agents can bring the wealth management model from the traditional financial sector into the crypto payment system, allowing ordinary users to enjoy a more intelligent fund management experience.

This article is contributed content and does not represent the views of BlockBeats.