#稳定币 Recently, I've been looking into Multicoin's views on stablecoins, and I increasingly feel that this sector is seriously underestimated by everyone.

Many people are still debating what stablecoins are useful for. Actually, the question is asked backwards — the real question should be, **why is the future of FinTech inseparable from them**. Traditional FinTech aims to grow big and comprehensive, but ends up doing everything poorly. But stablecoins are different; they focus on a core logic: **following the true flow of funds to provide extreme services for specific groups**.

Imagine — cross-border payments, DeFi trading, on-chain lending, microfinance… what do these scenarios have in common? They all need a "reliable digital value carrier." Stablecoins are that carrier. They don’t compete with banks’ business; instead, in areas where banks can’t or don’t want to serve, they push financial efficiency to the limit.

This is the core logic of FinTech 4.0. It’s not about disruption, but about **precise empowerment around real needs**. Fragmented global payment systems, dispersed liquidity, high costs… stablecoins are quietly rewriting this landscape.

That’s why I am optimistic about the long-term prospects of stablecoins — not because they are sexy, but because they **solve real problems**. This is the most vital sector with the greatest vitality.