The post What Is the Future of Stablecoin in Capital Markets? appeared on BitcoinEthereumNews.com.

The Solana Foundation President has shared views on stablecoin in capital markets, pointing to new market structures, Circle’s business shift, and the roles of Ripple and Tether. Her comments follow wider debate on yield, regulation, and how digital currencies will fit into the global system. Stablecoin Market Structure and Yield Debate The stablecoin market is moving into a new phase. Patrick Collison, co-founder of Stripe, said that stablecoin issuers may have to start sharing yield with users. He added that the same might happen in the wider banking system. He pointed out that U.S. banks hold about $4 trillion in deposits that earn no interest. The average savings account pays 0.40% according to FDIC data. In Europe, non-corporate deposits earn around 0.25%, while corporate deposits pay 0.51%. Collison believes depositors will expect and should receive returns closer to market levels. He also said some lobby groups are working to limit rewards on stablecoin deposits. Collison described the motive as keeping deposits cheap for banks, but warned that the move could be seen as unfriendly to consumers. Solana Foundation president Lily Liu agreed with this view. She said banks currently take most of the yield from deposits and loans under the fractional reserve model. She added that decentralized finance offers another option by letting users take part in lending and borrowing directly. Stablecoin Market Structure Debate | Source: Lily Liu In her words, this makes yield available across a wider range of assets and risk levels, opening access for internet users of different sizes. Circle Expands Role in the Stablecoin Market Circle has announced changes to its business model. Once known mainly as a stablecoin issuer, it now describes itself as a full-stack platform company. The firm said its new focus will be on building both an application layer, called CPN,…

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Filed under: News - @ October 5, 2025 1:23 am