BlockBeats message: On August 29, at the “AI × New Finance — Innovation Global Link · Hong Kong Station & Yangtze River Stars Plan Launch Conference,” Zhang Dayong, co-founder and CEO of Obita, said that AI is compressing contract writing, code writing, and business decision-making to the scale of seconds or even shorter. However, traditional cross-border payments may still require T+1 to T+7, and the resulting efficiency gap will drive the reconstruction of payment infrastructure.
Zhang Dayong believes that blockchain and compliant stablecoins can reduce the multiple layers of intermediary banks involved in traditional cross-border payments, bringing settlement closer to real time. In 2025, on-chain stablecoin transaction volume reached about $3.3 trillion, but the proportion actually used for the real economy remains low. The key in the next stage is to address compliance, security, and enterprise applications—so that stablecoins can genuinely enter cross-border trade.
Zhang Dayong believes that blockchain and compliant stablecoins can reduce the multiple layers of intermediary banks involved in traditional cross-border payments, bringing settlement closer to real time. In 2025, on-chain stablecoin transaction volume reached about $3.3 trillion, but the proportion actually used for the real economy remains low. The key in the next stage is to address compliance, security, and enterprise applications—so that stablecoins can genuinely enter cross-border trade.