#稳定币应用场景 After reviewing Coinbase's latest 2026 outlook, I want to share a key observation: the application scenarios of stablecoins are evolving from simple trading tools to infrastructure-level entities.

The report predicts that by the end of 2028, the total market capitalization of stablecoins could reach $1.2 trillion. This figure reflects not only market expansion but also the concretization of application deployment. The emergence of scenarios such as cross-border settlements, remittances, and payroll platforms indicates that stablecoins are truly entering our daily economic life.

But I want to emphasize one point: opportunities often come with risks. Market fragmentation could pose hidden dangers, and the predicted increase in market trading volume also suggests that market volatility may intensify. As prudent participants, my recommendations are:

**First, maintain awareness of your positions.** Even if you are optimistic about the long-term prospects of stablecoins, do not allocate them as your sole investment; they should occupy an appropriate proportion within your overall asset allocation.

**Second, understand the differences in application scenarios.** Stablecoins used for cross-border settlements and those used for trading have completely different risk profiles, so choices should be made with focus.

**Third, cultivate a long-term mindset.** Considering the $1.2 trillion target, we are still in the early stages, and short-term fluctuations should not be overreacted to.

The value of stablecoins lies in stability, but the prudence of market participants is even more important.