stablecoinsreport

මම Binance Research හි stablecoin වාර්තාව එළිදැක්ක දා සිට කියවමින් හිටියා. විශේෂයෙන් කොටසක් එකක් මට නැවත නැවතත් හිතට ඇදෙමින් තිබුණා.
සංචිත සංඛ්‍යා (reserve numbers).
Binance දැනට ස්ථාවර-කොයින් සංචිත ලෙස ඇමරිකානු ඩොලර් බිලියන 53ක් (US$53B) තබාගෙන සිටිනවා. ඊළඟ විශාලතම හුවමාරුව? එය පිටුපසින් ඇති ඩොලර් බිලියන 42ක් (US$42B) — නමුත් එය US$42B “මුළු එකතුව” නෙවෙයි; Binance එකට පසුපසින් US$42Bක්. මෙම ප්‍රමුඛත්වය (lead) වැඩිවෙමින් තිබෙනවා: කර්මාන්තය පුරා හුවමාරු ස්ථාවර-කොයින් සංචිත මුළු එකතුව US$93B දක්වා වර්ධනය වෙද්දි පවා වෙළෙඳපොළ කොටස 54% සිට 57% දක්වා ඉහළ ගියා.
මෙය වෙළෙඳපොළ කොටස පමණක් කියන කතාවක් නෙවෙයි. එය ඒකාබද්ධ කිරීම/සංකේන්ද්‍රණය (consolidation) පිළිබඳ කතාවක්. ස්ථාවර-කොයින් වෙළෙඳපොළ වර්ධනය වන විට ධනය හුවමාරු මධ්‍යස්ථාන (exchanges) අතර සමානව පැතිරෙන්නේ නැහැ — එය කේන්ද්‍රගත වෙනවා. ඒකට හේතුව දත්තවලින් පේනවා.

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

f you still think stablecoins are just a temporary place to park your funds between trades, a brand-new report from Binance Research will completely change your mind.
This report reveals that stablecoins are breaking out of the crypto bubble and quietly morphing into the global financial infrastructure of the future. From digital savings to weekend payments that rival the scale of major credit card companies, the data shows that stablecoins are reshaping how the world handles money.
Here are the most eye-opening takeaways from the report that every crypto enthusiast and investor on Binance Square needs to know:
1. The Ultimate Financial Exit: Why Millions are Paying a Premium
For most of us, stablecoins are a convenience tool. But for millions of people worldwide living in unstable economies, they represent financial survival.
The Binance report drops a staggering stat: 87% of global fiat currencies trade at a premium when used to buy stablecoins. In regions battling hyperinflation, people are willing to pay up to a 62% premium over the official government exchange rate just to get their hands on digital dollars.
When your local currency is losing value by the day, a stablecoin isn’t a trading tool—it’s a safe haven to protect your hard-earned wealth.
2. From "Trading Tokens" to "Digital Savings Accounts"
The way we hold stablecoins has fundamentally shifted. Back in 2020, only 4% of users held more than half of their portfolio in stablecoins. Fast forward to today, and that number has skyrocketed to 30% of users.
Why the sudden urge to hold digital cash? Two words: Interest Equality.
The Traditional Banking Problem: The national average savings rate for standard bank accounts sits at a miserable 0.38%.The Stablecoin Solution: On-chain dollar yields typically distribute 2% to 4% through real-world asset (RWA) tokens and delta-neutral strategies.
Because of this gap, Binance Earn has distributed a jaw-dropping $1.2 billion in rewards to stablecoin holders since 2022. In fact, 33% of all stablecoins on Binance are sitting in Earn, turning the platform into a digital bank for over 14 million users.
3. The 24/7 Economy: Processing Visa-Scale Volume on Weekends
Traditional banking completely halts on Friday afternoon. Meanwhile, the global economy keeps moving. BLOCKCHAIN never sleeps, and the numbers prove it: Stablecoins transfer $76 billion every single weekend.
To put that into perspective, that is roughly $38 billion a day—almost perfectly matching the average daily transaction volume of Visa.
Leading this charge on the payment front is the BNB Chain ecosystem, which handles an average of 10 million transactions per day. Everyday retail spending is exploding, too—Binance Pay transaction volume has shot up by 114%, with the median amount spent at merchants rising from $10 to $18 as people use it for daily coffee, digital goods, and services.
4. Binance is Extending its Massive Lead
As the center of gravity for this stablecoin revolution, Binance is pulling away from the competition.
This massive liquidity pool has turned Binance into the perfect launchpad for breakout stablecoins. For instance, United Stable (U) exploded 180-fold this year to clear a $1 billion market cap, while USD1 grew by $1.4 billion (a 43% jump). Furthermore, the ecosystem is diversifying beyond the US Dollar; local-currency options like EURI, AEUR, and KGST have driven over $5 billion in volume since last year.
The Takeaway
Stablecoins have officially grown up. They are no longer just the structural plumbing used to buy Bitcoin or ride market waves. They have become a censorship-resistant savings account, a cheaper cross-border payment rail, and a borderless asset class that functions exactly like cash—only faster, cheaper, and always online.
The next billion people entering Web3 might never even place a speculative crypto trade. They’ll come because stablecoins offer a better, fairer way to handle money.
Disclaimer: Holding digital assets involves counterparty risk. Past growth figures are not indicative of future performance. Always do your own research.
#BinanceAngels #StablecoinsReport
@Binance Square Official | @Binance Angels

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

When people hear the word stablecoin, many immediately think about crypto trading.
But today, stablecoins are becoming much more than that. They are evolving into a financial tool that helps people save, send money, make payments, and access digital dollars more efficiently.
According to Binance Research, stablecoins have evolved from a trading tool into a foundational settlement layer for global finance, supporting the three essential functions of money: store of value, medium of exchange, and unit of account.
1. A Better Way to Transfer Money
Traditional cross-border transfers can take days, especially during weekends or holidays.
Stablecoins operate 24/7.
One impressive statistic from the report is that weekend stablecoin transfers average US$76 billion, or about US$38 billion per day—a figure comparable to Visa's average daily payment volume.
This demonstrates that stablecoins are increasingly being used for real economic activity, not just speculation.
2. The Growth of Stablecoin Adoption
The report also highlights the strong ecosystem surrounding Binance and BNB Chain.
- Binance holds approximately US$53 billion in stablecoin reserves, with its market share increasing from 54% to 57%.
- BNB Chain processes around 10 million stablecoin transactions every day, supported by 15 million monthly active addresses, making it one of the most active networks for stablecoin usage.
These numbers reflect increasing adoption from users around the world.
3. Stablecoins Solve Real Problems
In many countries, local currencies experience inflation or limited access to global financial services.
The report notes that 87% of fiat currencies trade at a premium when buying stablecoins, and in hyperinflation economies the premium can reach 62%. This suggests that many people are willing to pay extra simply to access a more stable digital asset.
For these users, stablecoins are not just investment tools—they represent financial accessibility and protection against currency instability.
Final Thoughts
Stablecoins are gradually becoming part of everyday finance.
From faster international transfers to digital savings and merchant payments, their role continues to expand beyond crypto trading.
As adoption grows, stablecoins may become one of the key building blocks of the future financial system.
What do you think will be the biggest real-world use case for stablecoins over the next five years?
#BinanceAngels #StablecoinsReport

හෝ යාලුවනේ! Binance Research දැන් නිකුත් කළා #StablecoinsReport ඇතුළත ඇති දත්ත අනුව ඔප්පු වන්නේ stablecoins තවදුරටත් කేవල trading මෙවලමක් පමණක් නොවෙයි—ඒවා ගෝලීය මූල්‍ය පද්ධතියේ නව ප්‍රධාන බලවේගය බවට වේගයෙන් පත්වෙමින් පවතින බවයි
මාස 5ක් තුළ පමණක්, සමස්ත TradFi-Perps පරිමාව දැවැන්ත ලෙස $1.1 ට්‍රිලියන ඉක්මවා ඇත!
වේගයෙන් වර්ධනය වන stablecoins 6න් 4ක් (USYC, USD1, සහ U වැනි) Binance සහ BNB Chain පරිසර පද්ධති තුළ දැඩි ලෙස වෙන්කර තිබේ
BNB Chain සියලුම බ්ලොක්චේන් ජාල අතරින් ඉදිරියෙන් සිටිමින් මිලියන 15ක මාසික සක්‍රීය stablecoin ලිපින සහ දිනකට මිලියන 10ක ගනුදෙනු සපයයි. ගනුදෙනු ගණන අනුව මෙය 24%ක වෙළඳපල කොටසකට සමාන වේ

For years, stablecoins were seen as a crypto-market convenience. Binance Research’s new report, “Stablecoins: Transforming The Financial Landscape,” shows this view is outdated — the data points to something bigger: stablecoins have become real financial infrastructure for millions.
1️⃣ TradFi Meets Perpetuals
TradFi-linked perpetuals have crossed $1.1T in aggregate volume, with Binance commanding roughly 47% market share (~$500B) — achieved in just 5 months. Traditional finance and crypto derivatives are converging faster than most expected.
2️⃣ Binance Is Where Stablecoins Grow Fastest
4 of the 6 fastest-growing stablecoins in the market are listed on Binance and built on BNB Chain — making the ecosystem a default launchpad for new stablecoins scaling quickly.
3️⃣ One Exchange Is Pulling Away on Reserves
Binance holds $53B in stablecoin reserves — $42B ahead of the next largest exchange — with market share rising from 54% to 57%.
4️⃣ Real Yield, Real Users
$1.2B in yield has been distributed to stablecoin holders through Binance Earn since 2022, reaching 14M+ users — real returns for people protecting the value of their savings.
5️⃣ BNB Chain Leads Daily Stablecoin Activity
BNB Chain processes 10M daily stablecoin transactions and counts 15M monthly active addresses — the largest of any network, commanding 24% market share by transaction count.
6️⃣ Payments Are Becoming Real, Not Symbolic
Binance Pay volume grew 114% YoY, with the median merchant ticket rising from $10 to $18 across 21M registered merchants — a sign of growing trust, not inflation.
7️⃣ The Premium That Reveals Who Really Needs Stablecoins
87% of global fiat currencies trade at a premium just to access stablecoins — reaching 62% in hyperinflation economies. For millions, that premium is the cost of protecting money they’ve already earned.
8️⃣ A Market That Never Sleeps
Weekend stablecoin transfers average $76B — roughly $38B per day, comparable to Visa’s daily volume of approximately $40B. Stablecoins now move money at the scale of legacy payment giants, without ever closing.
📊 The Bigger Picture
Stablecoins are shifting from a crypto-trading accessory to genuine financial infrastructure — for saving, protecting against inflation, everyday payments, and settlement at a scale that rivals traditional finance.
📖 Read the full Binance Research report here: https://www.binance.com/en/research/analysis/stablecoins-transforming-the-financial-landscape
#BinanceAngels #StablecoinsReport
@Binance Angels

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

💡 Stablecoins are no longer just for crypto trading.
Over the past few years, they've evolved into tools people use for:
💸 Fast cross-border payments
🏦 Saving value in volatile economies
🌍 International transfers
💳 Everyday digital payments
📈 Accessing blockchain-based financial services
This shift is why stablecoins are attracting so much attention worldwide.
📊 What does the latest Binance Research report show?
Some interesting highlights include:
🔸 Around 30% of users now keep more than half of their crypto portfolio in stablecoins, compared to only 4% in 2020.
🔸 BNB Chain processes around 10 million stablecoin transactions every day, with approximately 15 million monthly active addresses.
🔸 Stablecoin activity continues even on weekends, averaging around $76B in transfers—showing that blockchain-based finance operates 24/7.
🌍 Why does this matter?
In some countries with high inflation or limited access to foreign currencies, stablecoins may provide an alternative way to preserve value or transfer money more efficiently.
For businesses, they can also simplify international payments and reduce settlement times.
⚠️ But remember...
Stablecoins are designed to maintain a stable value, not eliminate risk.
Different stablecoins use different reserve models, regulations vary by country, and availability depends on your region.
Always understand how a stablecoin works before using it.
📚 Final Thoughts
Stablecoins are gradually becoming an important part of digital finance—not because of speculation, but because of their practical everyday use.
As adoption grows, learning how they work will become increasingly valuable.
Always DYOR before using any crypto product.
#Binance #BinanceAngels #StablecoinsReport #BinanceAcademy #LearnWithBinance

Stablecoins are no longer just a way to park value between crypto trades. According to Binance Research's " Stablecoins: Transforming The Financial Landscape" (July 2026), stablecoins now process $76 billion every weekend Visa scale and are becoming the primary savings, payment, and transfer tool for hundreds of millions of people worldwide. Here's what the official data reveals.
💰 Stablecoins as Savings Not Just Trading
The 30% of users now hold more than half their portfolio in stablecoins up from just 4% in 2020
$1.2 billion in stablecoin rewards distributed through Binance Earn since 2022On chain dollar yields of 2% to 4% versus a national savings account average of just 0.38%
This isn't speculation. This is a savings revolution. For millions of people locked out of traditional banking, stablecoins on Binance deliver yields that Western banks haven't offered retail customers in years.
🌍 Why Some Regions Pay a Premium to Access Stablecoins
This is the data point that tells the real human story.
87% of fiat currencies trade at a premium to buy stablecoins. Under hyperinflation, that premium reaches 62%. Peoplein Nigeria, Argentina, Zimbabwe, and Congo aren't paying a premium because it's convenient they're paying it because the alternative is watching their savings evaporate.
In Kinshasa. In Lagos. In Caracas. A USDT wallet isn't a trading tool. It's a life raft.
Regional adoption confirms this:
Latin America added 21 percentage points of transfer share remittances, payroll, supplier paymentsMENA is the fastest-growing saver baseEast Asia & Pacific anchors roughly 70% of Earn savings balances
Each region. Different use case. Same conclusion: stablecoins work where traditional finance failed.
🏆 Binance's Stablecoin Market Leadership
The numbers from the report are unambiguous:
Binance holds $53 billion in stablecoin reserves $42 billion ahead of the next exchange- Market share has grown from 54% to 57% and still climbing#1 venue for TradFi-linked perpetuals over $500B volume, ~47% market shareUnited Stable (U) grew ~180x year-to-date to over $1BUSD1 grew $1.4B or 43% in the same period
One venue. One dominant lead. The gap is widening, not closing.
🔮 The Rise of Non-Dollar, Local-Currency Stablecoins
The dollar isn't the only story anymore.
Cumulative trading in local-currency stablecoins EURI, AEUR, KGST has passed $5 billion on Binance since 2025, at a sustained $316 million average monthly volume.
BNB Chain is the infrastructure powering this shift:
Average 10 million transactions per day15 million monthly active addressesBinance Pay volume up 114% since2025Median merchant ticket climbed from $10 to $18 people aren't just holding stablecoins, they're spending them
The next chapter of stablecoins isn't dollar-denominated. It's local. It's everyday. It's already happening.
🤖 What Comes Next The Always-On Economy
The final signal from the report is one most people will overlook.
On-chain FX volume is up 670% since 2024. The market that never closes moves $76 billion every weekend. And its next wave of users isn't human AI agents are already transacting at a median ticket of just $0.34.
Stocks now settle in stablecoins. Machines now spend them. The financial system isn't being disrupted anymore.
It's already been rebuilt.
📊 Summary — Key Data at a Glance
FAQs
Q: Can people in Africa use stablecoins for savings on Binance? A: Yes. Binance Earn has distributed $1.2B in stablecoin rewards since 2022, with on-chain yields of 2–4% far above the 0.38% national savings average. African users in DRC, Nigeria, and Kenyacan access these tools today with just a smartphone and KYC verification.
Q: Why do people in some countries pay a premium for stablecoins? A: When local currencies are unstable or hyperinflationary, people pay above market rate to access dollar-denominated stablecoins. The Binance Research report confirms 87% of fiat currencies trade at a premium reaching 62% under hyperinflation. Stability has a price, and people are willing to pay it.
Q: What are local-currency stablecoins and why do they matter? A: Local-currency stablecoins (like EURI for euros, KGST for Kyrgyz Som) give users digital stability in their own currency no dollar exposure needed. Volume has surpassed $5B on Binance since 2025, signaling a major shift beyond dollar dominance in global stablecoin adoption.
📌 Source: Binance Research "Stablecoins: Transforming The Financial Landscape", July 8, 2026.
⚠️ Not financial advice. Holding digital assets on any centralised exchange involves counterparty risk. Past figures are not indicative of future performance.
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