For a full decade, stablecoin accessibility was restricted exclusively to cryptocurrency exchanges. That landscape has fundamentally changed, as these assets are now integrated into mainstream platforms like Revolut, Nubank, and PayPal. This expansion covers 160 countries and 500K businesses, tapping into massive user bases of 127M and 65M customers respectively. With the challenge of distribution largely behind us, the focus now shifts to settlement.
The value of low-cost, high-speed infrastructure is clearly keeping users engaged. Sei logged its sixth consecutive quarter of growth during Q4 '25. According to @MessariCrypto, the network reached all-time highs in mid-December. During this period, daily active addresses climbed 26% QoQ to 1M, while daily transactions rose 17% to 2.3M.
The stablecoin market has recorded a 1,700% increase in just 5 years. Digital dollars are undeniably a permanent fixture, and data suggests we are merely seeing the start of their journey. Leading forecasts paint a robust picture, with Morgan Stanley envisioning $2T by 2028 and the US Treasury Secretary predicting $3T by 2030. Additionally, Citi anticipates a range of $2-4T by 2030. While the consensus is that this growth is inevitable, the final destination for these trillions is not yet decided.
The concept of stablecoin payroll has rapidly transitioned from being an edge case to a major priority. Current trends back this up, showing that 75% of Gen Z specifically want stablecoin pay. Executive leadership is responding enthusiastically, with 90% of C-Suite Execs confirming they already have programs live or planned. Looking ahead, 54% of Companies not yet using stablecoins project they will start doing so within 12 months. This modernization is taking place today with @usetoku on Sei.
The $50T payroll market is largely defined by pending screens and agonizing 2 day waits. However, @usetoku is introducing instant stablecoin payroll to Sei that settles in under a second. This solution integrates directly into Workday, ADP, and the systems employers already use. Get paid immediately.
An annual sum of $50 trillion flows through the global payroll system. These funds travel along traditional banking rails that are characterized by high friction, including settlement times of 3-5 days, costs of $50 per wire, and service gaps when networks shut down on weekends. By adopting stablecoin payroll, we can solve these problems, a trend that is already beginning to take hold. Below, we outline the justification for replacing SWIFT.
В недавней публикации, сосредоточенной на платформах, которые продвигают границы программируемых денег, @CoinSharesCo выделила Sei. Эта компания, признанная 4-м крупнейшим менеджером ETP в мире, представила сеть наряду с Eth, Sui и Solana. CoinShares в настоящее время предоставляет доступ к SEI через два своих регулируемых предложения: ETF DIME и стейкованный ETP SEI.
Завершение глобального платежа обычно занимает неделю. Эта процедура состоит из четырех этапов и требует взаимодействия с множеством посредников. В результате вы ждете до пятницы, чтобы получить средства, которые изначально были переведены в понедельник. Однако на Sei этот платеж завершается менее чем за секунду. Он проходит прямо от отправки до получения.
Sei объединяет превосходные атрибуты экосистемы Ethereum с выдающимися особенностями Solana. Следовательно, рынки работают с повышенной скоростью в сети Sei.
Traditional SWIFT transfers generally require a duration of 1 to 5 business days, while ACH payments typically take 1 to 3 business days to clear. In comparison, the Ethereum network settles in 12 seconds, Solana takes just 1 second, and Sei achieves a speed of 400ms.
A convergence is underway involving AI, RWAs, and agent-to-agent commerce. At the heart of this shift is x402, the Coinbase protocol designed for machine-native payments. Agents now have the capacity to make stablecoin payments to one another at the HTTP layer, all occurring in real time on Sei. Watch as @jayendra_jog explores this topic with @FintechTvGlobal below.
Distinct economic challenges are unfolding across four major global regions, yet a common thread unites them.
In Africa, individuals contend with traditional remittance fees that average 8.45%, a rate that ranks among the highest on the planet. As a result, stablecoins have risen in prominence, now comprising 43% of the transaction volume for digital assets.
Turning to Southeast Asia, a community of 77 million freelancers frequently conducts business internationally. This has led to a significant shift in infrastructure, with 43% of cross-border B2B payments now utilizing stablecoin rails.
For residents of South America, holding onto local tender can be financially damaging due to inflation. Consequently, workers are prioritizing the stability of the dollar, driving cross-border payments to represent 71% of regional stablecoin activity.
In the European market, 58% of companies are transitioning to stablecoin payment systems. More than a third of these businesses are making the switch simply to keep pace with competitors who have already done so.
Although these four economies face unique obstacles, they have all found the same answer.
The conventional method of paying employees worldwide is overdue for an overhaul. Legacy systems struggle to keep up with the demands of dispersed teams. By the time your salary actually lands in your account, you have likely lost over $50 to wire transaction costs, endured a waiting period of 3-5 days, and suffered a reduction in purchasing power caused by inflation. Stablecoins resolve these inefficiencies effectively. Find out how by reviewing the Stablecoin Payroll Report below.
As the Sei Network continues to see widespread institutional uptake from major players like Brevan Howard, Hamilton Lane, Apollo, and Laser, Ondo has now entered the fold. Speaking with @FintechTvGlobal directly from the @OndoFinance Summit, @jayendra_jog outlines the distinct features that set Ondo's USDY apart.
The Sei network has officially welcomed USDY from @OndoFinance. This asset consists of tokenized U.S. Treasuries that are denominated in dollars and provide the benefit of accruing Treasury yield. It is designed for extensive utility, suitable for payments, savings, lending, collateral, and other applications. This is an RWA built for actual usage. Read on to understand the mechanics ↓
Даже в 2026 году выполнение традиционного трансграничного платежа все еще занимает от 3 до 5 рабочих дней, чтобы средства переместились от отправителя к получателю. Однако на Sei это занимает менее секунды.
Увлекательные новости только что поступили: AIxC (NASDAQ: AIXC) официально сотрудничает с @Sei_FND для изучения того, как интеграции блокчейна могут быть использованы на Sei. Этот совместный проект будет сосредоточен на реализации решений в портфеле продуктов @AIxC_Official, с особым акцентом на приложения, обслуживающие экосистему робототехники и мобильности для @FaradayFuture.
Если это обновление прошло мимо вашего внимания, сеть Sei официально приветствовала приход USDY от @OndoFinance. Этот значительный токенизированный продукт казначейства имеет стоимость более 1,4 миллиарда долларов и поддерживается краткосрочными казначейскими облигациями США. Используя возможности самой быстрой L1, пользователи теперь могут использовать актив для различных целей, таких как платежи, сбережения, обеспечение, кредитование и многое другое.
В настоящее время на Sei происходит значительное взаимодействие потребителей. @Kindred_AI преобразует более 30 известных объектов, таких как Pudgy Penguins, Astro Boy и LINE FRIENDS, в личных ИИ-спутников. Эти интеллектуальные агенты способны запоминать ваши данные, отвечать на ваши взаимодействия и понимать ваши конкретные потребности. Моментум быстро нарастает, с 150k активными агентами ежедневно, уже работающими, и списком ожидания, превышающим 7M+ кошельков.
Токенизация заняла свое место в мейнстриме, охватывая активы, варьирующиеся от акций, облигаций и IPO до государственных облигаций и частного кредитования. Следующий этап этой эволюции требует основы, разработанной для эффективного масштабирования. Обеспечение этой надежной инфраструктуры именно то, для чего была создана Sei.