stablecoinsreport

Cela semble contre-intuitif.
Pourtant, les données racontent une histoire très différente.
Aujourd’hui, 30 % des utilisateurs détiennent plus de la moitié de leur portefeuille en stablecoins.
En 2020, alors ?
Ce chiffre n’était que de 4 %.
En seulement quelques années, le comportement des investisseurs a radicalement changé.
Pourquoi des millions de personnes choisissent-elles de détenir des actifs qui bougent à peine en prix ?
La réponse est bien plus intéressante qu’il n’y paraît.
Pendant des années, les stablecoins étaient considérés comme n’étant rien de plus qu’un simple point de stationnement temporaire entre deux transactions.
Aujourd’hui, ils deviennent un élément central de l’infrastructure financière mondiale.

La plupart des gens pensent encore que les stablecoins existent pour un seul objectif : le trading de crypto.
Cela était vrai il y a quelques années.
Ce n’est plus le cas.
Le dernier rapport de Binance Research révèle quelque chose de bien plus vaste. Les stablecoins deviennent rapidement l’infrastructure financière qui alimente l’épargne, les paiements, les transferts, les actifs tokenisés et même le commerce piloté par l’IA.
L’un des plus grands changements concerne la façon dont les gens utilisent les stablecoins.
Au lieu de simplement immobiliser des fonds entre les transactions, des millions de personnes utilisent désormais les stablecoins comme forme d’épargne.
Depuis 2022, Binance Earn a distribué plus de 1,2 milliard de dollars de récompenses aux détenteurs de stablecoins. Dans le même temps, les rendements en dollars sur la blockchain, de 2 % à 4 %, ont largement surpassé le taux mondial moyen d’épargne de 0,38 %.

How Stablecoins Are Becoming Nigeria and Africa's Financial Lifeline
For years, stablecoins were seen mainly as a trading tool, a way to park funds between crypto trades without cashing out to fiat. But a new Binance Research report, Stablecoins: Transforming The Financial Landscape, shows that story has changed. Across the world and especially across Africa. Stablecoins have quietly become savings accounts, payment rails, and a hedge against currency collapse. Nowhere is this shift more visible than in Nigeria.
Savings, Not Just Speculation
The report notes that 30% of stablecoin users now hold more than half their portfolio in stablecoins, up from just 4% in 2020. That's not a trading pattern, that's a savings pattern. For Nigerians watching the naira lose value year after year, holding value in USD-pegged tokens like USDT or USDC has become a practical way to protect purchasing power, not a speculative bet.
This lines up with what Binance Research calls the "premium to buy" effect: 87% of fiat currencies now trade at a premium to acquire stablecoins, and that premium can climb as high as 62% in hyperinflationary economies. Nigerians who have used P2P platforms during periods of naira volatility will recognize this instantly, when the official exchange rate breaks down, people are willing to pay extra just to get their money into a stable asset.
Yield That Beats the Bank
Another data point worth pausing on: Binance Earn has paid out over US$1.2 billion in stablecoin rewards since 2022, with on-chain dollar yields of 2 to 4%, compared to a national savings average of just 0.38%. In a country where inflation regularly outpaces bank savings rates by a wide margin, that gap matters. Stablecoin yield products aren't a luxury for Nigerian users, they're often a rational response to a banking system that can't keep up with the cost of living.
Payments Are Moving On-Chain
Beyond savings, the report highlights a real shift in how stablecoins move day to day. BNB Chain now processes an average of 10 million transactions a day and 15 million monthly active addresses, and Binance Pay volume is up 114% since 2025, with the median merchant transaction growing from $10 to $18. This isn't abstract, it reflects a broader African pattern where stablecoins are increasingly used for remittances, merchant payments, and cross-border transfers, especially where traditional banking rails are slow or expensive. Nigeria, alongside Kenya and South Africa, remains one of the continent's largest markets for peer-to-peer stablecoin activity, largely driven by remittance flows and the need to move money in and out of local currency efficiently.
The Rise of Local-Currency Stablecoins
One of the more forward-looking findings: cumulative trading in local-currency stablecoins has passed US$5 billion on Binance since 2025, growing at a sustained pace of over $316 million a month. While the report's named examples (EURI, AEUR, KGST) which are non-African currencies, the trend signals where the market is heading, a future where African users aren't limited to dollar-pegged tokens, but have access to stable, on-chain versions of their own currencies, reducing dependence on volatile fiat and expensive FX conversion.
Why This Matters for Nigeria and Africa
The report's numbers tell a consistent story that matches what many Nigerians already live day to day:
- Stablecoins as a hedge against currency depreciation and inflation
- Stablecoins as savings, offering yield that outpaces local bank rates
- Stablecoins as payment infrastructure, increasingly used for everyday transactions and remittances, not just trading
- A shift toward local relevance, with non-dollar stablecoins signaling where financial access could go next
For a continent where access to stable currency and efficient cross-border payments has long been a challenge, stablecoins aren't a crypto trend, they're becoming financial infrastructure.
#StablecoinsReport #BinanceAngels

Dans le dernier rapport de Binance Research, il y a un chiffre qui m’a vraiment pris au dépourvu.
30 % des utilisateurs de Binance détiennent désormais plus de la moitié de l’ensemble de leur portefeuille en stablecoins. Pas comme simple stationnement temporaire entre deux transactions. Comme une destination.
Ce chiffre était de 4 % en 2020.
Quelque chose a fondamentalement changé dans la façon dont les gens utilisent désormais les stablecoins — et la plupart des discussions à leur sujet n’ont pas encore rattrapé ce changement. On continue d’en parler comme d’un outil de trading, d’une liquidité entre deux positions, de la chose qu’on détient en attendant le prochain mouvement. Mais les données racontent une autre histoire.

Pensez-vous que les stablecoins ne sont qu’un simple arrêt temporaire pour les day-traders crypto en attendant d’acheter la baisse ? Pensez à nouveau.
Un rapport novateur de Binance Research révèle que les stablecoins ont discrètement évolué. Ils ne sont plus seulement un outil de trading : ils sont devenus une utilité mondiale pour l’épargne du quotidien, les paiements sans frontières et les transferts à grande vitesse.
Voici comment les chiffres se présentent, montrant que les stablecoins réécrivent activement les règles de la monnaie.
1/ ÉPARGNE : Battre les banques traditionnelles Si vous laissez votre argent sur une banque locale classique, il est probable qu’il perde du pouvoir d’achat à cause de l’inflation. D’après le rapport, les rendements en dollars on-chain (les intérêts que vous gagnez sur vos dollars numériques) se situent entre 2 % et 4 %.

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

Les gars ! Binance Research vient de publier #StablecoinsReport Les données à l’intérieur prouvent que les stablecoins ne sont plus seulement un outil de trading : ils deviennent rapidement le nouveau moteur du système financier mondial
En seulement 5 mois, le volume agrégé des TradFi-Perps a dépassé un chiffre stupéfiant de 1,1 billion de dollars !
4 des 6 stablecoins à la croissance la plus rapide (comme USYC, USD1 et U) sont fortement alloués au sein des écosystèmes Binance et BNB Chain
BNB Chain est en tête de tous les réseaux blockchain avec 15 millions d’adresses de stablecoins mensuelles actives et 10 millions de transactions quotidiennes. Cela représente une part de marché de 24 % en termes de nombre de transactions