stablecoinsreport

Die meisten Menschen glauben immer noch, dass Stablecoins für nur einen Zweck existieren: Krypto-Trading.
Das traf vor ein paar Jahren noch zu.
Nicht mehr.
Der neueste Bericht von Binance Research enthüllt etwas noch Größeres. Stablecoins werden rasant zur finanziellen Infrastruktur für Ersparnisse, Zahlungen, Überweisungen, tokenisierte Vermögenswerte und sogar für KI-gestelltes Commerce.
Eine der größten Veränderungen ist, wie Menschen Stablecoins nutzen.
Statt Gelder nur zwischen den Trades zu parken, behandeln Millionen Stablecoins inzwischen als Ersparnisse.
Seit 2022 hat Binance Earn über 1,2 Milliarden US-Dollar an Belohnungen an Stablecoin-Inhaber ausgeschüttet. Gleichzeitig haben On-Chain-Dollar-Renditen von 2 % bis 4 % die weltweite durchschnittliche Sparquote von 0,38 % deutlich übertroffen.

It sounds counterintuitive.
Yet the data tells a very different story.
Today, 30% of users hold more than half of their portfolio in stablecoins.
Back in 2020?
That figure was just 4%.
In only a few years, investor behavior has changed dramatically.
Why are millions of people choosing to hold assets that barely move in price?
The answer is far more interesting than it seems.
For years, stablecoins were seen as nothing more than a temporary parking spot between trades.
Today, they are becoming a core piece of the global financial infrastructure.
People use them to protect their savings.
To send money.
To make payments.
To access DeFi.
And most importantly, in many countries, they are becoming a real alternative to local currencies.
This is where the story gets fascinating.
Across 87% of fiat currencies, people are paying a premium to buy stablecoins.
In other words, they are willing to pay more than face value.
Why?
Because in some economies, holding digital dollars is more valuable than holding the local currency.
During periods of hyperinflation, that premium can reach 62%.
Imagine paying $162 just to receive the equivalent of $100 in digital dollars.
That shows how essential stablecoins have become for millions of people.
While this transformation accelerates, one platform continues to widen the gap.
Binance now holds $53 billion in stablecoin reserves.
That’s $42 billion more than its closest competitor.
Its market share has increased from 54% to 57%.
This isn’t just a competition between exchanges.
It’s a sign that liquidity is becoming increasingly concentrated.
And wherever liquidity goes…
Opportunities often follow.
But there’s another trend that is still flying under the radar.
Not all stablecoins are growing at the same pace anymore.
This year, United Stable (U) has increased its market capitalization by roughly 180x, surpassing $1 billion.
Meanwhile, USD1 has grown by more than $1.4 billion, representing a 43% increase since the beginning of the year.
These numbers show how quickly the stablecoin landscape is evolving.
Investors are no longer focused only on the biggest names.
They are paying closer attention to emerging ecosystems, new use cases, and the platforms supporting them.
And perhaps the biggest shift is happening right now.
For years, the stablecoin market revolved almost entirely around the US dollar.
That’s beginning to change.
Stablecoins linked to local currencies are gaining momentum.
On Binance, the cumulative trading volume of local currency stablecoins such as EURI, AEUR, and KGST has exceeded $5 billion since 2025.
Average monthly trading volume now stands at $316 million.
That might sound like a small detail.
It isn’t.
It shows that users increasingly want digital assets tied to their own economies instead of relying exclusively on the US dollar.
We may be witnessing the beginning of a new chapter.
After tokenized assets…
After Bitcoin ETFs…
After the rise of Layer 2 networks…
Stablecoins could become the backbone of the digital financial system.
Not because they promise extraordinary returns.
But because they solve a real problem: moving, storing, and using value instantly across the world.
Sometimes, the biggest revolutions aren’t the loudest ones.
They’re the ones that become so useful that people eventually stop noticing them.
Stablecoins may be following that exact path.
#StablecoinsReport
#BinanceAngels

There's a stat in Binance Research's latest report that genuinely caught me off guard.
30% of Binance users now hold more than half their entire portfolio in stablecoins. Not as a temporary parking spot between trades. As a destination.
That number was 4% in 2020.
Something has fundamentally shifted in how people actually use stablecoins — and most of the conversation around them hasn't caught up yet. We still talk about stablecoins as a trading tool, as liquidity between positions, as the thing you hold when you're waiting for the next move. But the data is telling a different story.
People are using stablecoins to save. In emerging markets where local currencies depreciate faster than savings accounts can compensate, stablecoins have become the practical alternative to keeping money in a bank. Binance Earn has distributed over US$1.2B in yield to stablecoin holders since 2022 — returns ranging from 2% to 4% annually, already well above the US national savings deposit rate of 0.38%. For context, that's more than 8x what traditional banks are paying.
People are using stablecoins to pay. Binance Pay has grown 114% year-on-year in volume across 21 million registered merchants. The median merchant ticket has risen from US$10 to US$18 — a signal that people aren't just testing the rails anymore, they're routing real spending through them.
People are using stablecoins to transfer. On weekends — when traditional markets are closed and banks aren't moving money — stablecoin transfer volume still averages US$76B. Roughly US$38B per day. That's comparable to Visa's daily volume. The market that never closes is now moving Visa-scale money while the rest of the financial system is offline.
And here's the part I find most interesting: 87% of fiat currencies trade at a premium when people use them to buy stablecoins. In hyperinflationary economies, that premium reaches 62%. People aren't paying above market rate by accident. They're paying it because the alternative — keeping money in a local currency that loses value faster than they can spend it — is worse.
Stablecoins didn't start out as savings accounts, payment rails, or transfer infrastructure. They started as a convenience layer for crypto trading. But somewhere along the way, people in the places that needed them most figured out that they were actually something more useful than that.
The report puts it simply: stablecoins entered finance as a tool for trading crypto. They're exiting as the layer the rest of finance settles on.
Full report here 👇
https://www.binance.com/en/research/analysis/stablecoins-transforming-the-financial-landscape
@Binance Angels #BinanceAngels #StablecoinsReport #Binance #BinanceSquare

Think stablecoins are just a temporary parking spot for crypto day-traders waiting to buy the dip? Think again.
A groundbreaking report from Binance Research reveals that stablecoins have quietly evolved. They are no longer just a trading tool, they have become a global utility for everyday savings, borderless payments, and high-speed transfers.
Here is how the numbers stack up, showing how stablecoins are actively rewriting the rules of money.
1/ SAVING: Beating the Traditional Banks If you leave your cash in a standard local bank, it is likely losing purchasing power to inflation. According to the report, on-chain dollar yields (the interest you earn on your digital dollars) sit between 2% and 4%.
Compare that to the most national savings average of just 0.38%, and it is easy to see why savers are migrating.
🤝The shift: 30% of surveyed users now hold more than half of their entire portfolio in stablecoins a massive leap from just 4% back in 2020.
🤝The inflation shield: In countries facing severe hyperinflation, local fiat currencies trade at up to a 62% premium just so citizens can swap them for stablecoins to protect their hard earned wealth.
2/ PAYMENTS: From Pizza to Everyday Commerce stablecoins are moving away from speculative wallets and straight into merchant cash registers. Everyday payments are surging:
🤝Binance Pay volume has soared by 114% since 2025.
🤝The median amount spent per transaction climbed from $10 to $18, showing that people are using stablecoins for practical, daily shopping.
🤝Micro-transactions are finding a new frontier, even AI agents are transacting on-chain now, with a median ticket size of just $0.34.
3/ TRANSFERS: The Market That Never Sleeps
Traditional bank wires don't work on weekends, take days to clear, and hit you with hefty cross-border fees. Stablecoins ignore borders and time zones entirely.
🤝Visa-Level Scale: The stablecoin market moves $76 billion every single weekend matching the processing scale of global giants like Visa, all while traditional banks are closed.
🤝Regional Lifelines: Latin America alone saw a 21 percentage point increase in its share of stablecoin transfers, proving that people rely heavily on these assets to send remittances back home to their families without losing chunks of money to middleman fees.Weekend stablecoin activity averages US$76B across adjusted transfers.
You can Read more here: www.binance.com/en/research/analysis
#StablecoinsReport #BinanceAngels @Binance Angels

For years, stablecoins were mostly a parking lot for crypto traders between bets. New data from Binance Research's report, "Stablecoin: Transforming The Financial Landscape," suggests that's changing fast — stablecoins are turning into everyday financial infrastructure, even for people who've never made a crypto trade.
People are saving and spending with them, not just trading. Binance Earn has paid out US$1.2 billion in yield to over 14 million users since 2022 — that's savings behavior, not speculation. On the payments side, Binance Pay volume grew 114% year-over-year, with median transaction size rising from US$10 to US$18 across 21 million merchants — small, everyday purchases, not trading tickets. And weekend stablecoin transfers now average US$76 billion (~US$38B/day) — roughly in line with Visa's daily volume — moving money exactly when traditional banks are closed.
One exchange has pulled far ahead on reserves. Binance now holds ~US$53 billion in stablecoin reserves, US$42 billion more than the next-largest exchange, with its market share climbing from 54% to 57%. Four of the six fastest-growing stablecoins are concentrated on Binance and BNB Chain, and BNB Chain leads all networks with 10 million daily transactions and 15 million monthly active addresses (~24% market share). Activity is consolidating around a few large hubs as stablecoins mature into real infrastructure.
In some countries, people pay extra just to get one. 87% of fiat currencies studied trade at a premium to buy stablecoins, and that premium tracks inflation — reaching 62% in hyperinflation economies. When a local currency is collapsing, a dollar-pegged stablecoin becomes a lifeboat people will pay above face value for. It's arguably the most human data point in the whole report.
One more signal: stablecoin-settled "TradFi-Perps" volume crossed US$1.1 trillion in just five months, with Binance holding ~47% share — showing stablecoins increasingly underpin traditional-market activity too, not just crypto trading.
The takeaway: this is a shift from "asset to trade" to "money to use" — as savings, as a payment method, and as a hedge against a weak local currency. Nobody pays a premium for a trading chip. People pay a premium for something they actually need.
#BinanceAngels #StablecoinsReport

Leute! Die Binance Research hat soeben #StablecoinsReport veröffentlicht. Die Daten darin belegen, dass Stablecoins nicht mehr nur ein Handelsinstrument sind – sie werden rasch zur neuen treibenden Kraft des globalen Finanzsystems
In nur 5 Monaten hat das gesamte Volumen von TradFi-Perps ein atemberaubendes $1,1 Billionen erreicht!
4 von den 6 am schnellsten wachsenden Stablecoins (wie USYC, USD1 und U) sind stark in den Ökosystemen von Binance und BNB Chain vertreten
BNB Chain führt alle Blockchain-Netzwerke an: 15 Millionen monatlich aktive Stablecoin-Adressen und 10 Millionen tägliche Transaktionen. Das entspricht einem Anteil von 24 % am Transaktionsvolumen