stablecoinsreport

Nó nghe có vẻ ngược lại với trực giác.
Tuy nhiên, dữ liệu lại kể một câu chuyện hoàn toàn khác.
Ngày nay, 30% người dùng nắm giữ hơn một nửa danh mục của họ bằng stablecoins.
Quay lại năm 2020 thì sao?
Con số đó chỉ là 4%.
Chỉ trong vài năm, hành vi của nhà đầu tư đã thay đổi một cách đáng kể.
Tại sao hàng triệu người lại chọn nắm giữ những tài sản gần như không biến động về giá?
Câu trả lời thú vị hơn nhiều so với vẻ ngoài của nó.
Trong nhiều năm, stablecoin được xem như không gì hơn một chỗ đậu tạm thời giữa các lệnh giao dịch.
Ngày nay, chúng đang trở thành một mảnh ghép cốt lõi trong hạ tầng tài chính toàn cầu.

Phần lớn mọi người vẫn nghĩ rằng stablecoin chỉ tồn tại cho một mục đích: giao dịch crypto.
Điều đó từng đúng vài năm trước.
Không còn như vậy nữa.
Báo cáo nghiên cứu Binance mới nhất hé lộ một điều còn lớn hơn nhiều. Stablecoin đang nhanh chóng trở thành hạ tầng tài chính cho việc tiết kiệm, thanh toán, chuyển tiền, tài sản token hóa và thậm chí là thương mại do AI dẫn dắt.
Một trong những thay đổi lớn nhất là cách mọi người sử dụng stablecoin.
Thay vì chỉ đơn thuần để tiền nằm yên giữa các giao dịch, hàng triệu người giờ đây coi stablecoin như một kênh tiết kiệm.
Kể từ năm 2022, Binance Earn đã phân phối hơn 1,2 tỷ USD tiền thưởng cho người nắm giữ stablecoin. Đồng thời, lợi suất đô la trên chuỗi ở mức 2% đến 4% đã vượt trội đáng kể so với tỷ lệ tiết kiệm trung bình toàn cầu là 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

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

Bạn nghĩ stablecoin chỉ là một chỗ đậu tạm thời cho các day-trader crypto chờ mua lúc giá giảm? Nghĩ lại đi.
Một báo cáo đột phá từ Binance Research tiết lộ rằng stablecoin đã âm thầm phát triển. Chúng không còn chỉ là một công cụ giao dịch; giờ đây chúng trở thành một tiện ích toàn cầu cho việc tiết kiệm hằng ngày, thanh toán xuyên biên giới và chuyển tiền tốc độ cao.
Dưới đây là cách các con số xếp chồng lên nhau, cho thấy stablecoin đang chủ động viết lại các quy tắc của tiền tệ.
1/ TIẾT KIỆM: Vượt mặt các ngân hàng truyền thống Nếu bạn để tiền mặt trong một ngân hàng địa phương tiêu chuẩn, rất có khả năng sức mua của bạn đang bị xói mòn do lạm phát. Theo báo cáo, lợi suất đồng USD on-chain (lãi suất bạn nhận được từ các đô la kỹ thuật số của mình) nằm trong khoảng 2% đến 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

Các bạn ơi! Binance Research vừa công bố #StablecoinsReport Dữ liệu bên trong chứng minh rằng stablecoin không còn chỉ là công cụ giao dịch nữa—chúng đang nhanh chóng trở thành động lực mới của hệ thống tài chính toàn cầu
Chỉ trong 5 tháng, tổng khối lượng TradFi-Perps đã vượt con số khổng lồ 1,1 nghìn tỷ USD!
4 trong số 6 stablecoin tăng trưởng nhanh nhất (như USYC, USD1 và U) được phân bổ dày đặc trong hệ sinh thái Binance và BNB Chain
BNB Chain dẫn đầu tất cả các mạng blockchain với 15 triệu địa chỉ stablecoin hoạt động hằng tháng và 10 triệu giao dịch hằng ngày. Điều này chiếm 24% thị phần theo số lượng giao dịch