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STABLECOIN COMPETITION AND ADOPTION: AN ACADEMIC VIEWPOINT

 

                                                                                                                          



The competition between stablecoins and the rate of adoption are currently altering the digital currency market because digital currencies are nearly ready to be used on a daily basis. Unlike regular cryptocurrencies, which exhibit considerable volatility, stablecoins are meant to be stable in value by being linked to the value of the US dollar or other fiat currencies. Because of their stability, stablecoins are very attractive for foreign exchange, savings, and payments.

The growing demand for stable digital currency has led to an increase in competition among stablecoin manufacturers. Stablecoins like USDT and USDC and up-and-coming bank-backed cryptocurrencies compete on aspects like market transparency, speed, regulatory requirements, and dependability. Banks and payment companies continue to use stablecoins in an attempt to lower costs, expedite transactions, and deliver financial services to remote areas across the world where banking infrastructure is not readily accessible.

Adoption is also being driven by decentralized financing (DeFi) and international business. Stablecoins are widely used for lending, borrowing, and trading in the context of DeFi without being negatively impacted by extreme market volatility. Businesses and independent contractors are increasingly using stablecoins for cross-border transactions because they are faster and less expensive than traditional banking networks. Because of their practical applications, stablecoins are evolving into more than just investment vehicles.

In conclusion, the increasing level of competition and uptake of stablecoins indicates a significant shift toward more efficient and user-friendly digital payment methods. Despite persistent worries about security, reserve transparency, and regulations, stablecoins are growing in significance in the digital economy. Furthermore, as levels of innovation and trust increase, stablecoins will likely be essential to the growth of global finance.

 

 

 

 

 

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