2026-01-04 16:22:51

A phenomenon worth noting—more and more countries are starting to launch their own digital currency systems, with a very pragmatic underlying logic: bypass the US dollar and find new settlement methods.

Take Iran as an example. They have partnered with major local banks to launch Peyman, backed by gold, mainly handling large transactions and asset marking between institutions. Simultaneously, they are working on a central bank digital currency project, and recently tested cross-border payments with a major country, reducing single transaction time to 3 seconds—this efficiency truly breaks the rhythm of traditional finance.

These national-level digital currencies are completely different from the decentralized cryptocurrencies we often hear about. The former is designed primarily for B2B and inter-financial institution clearing and settlement, not retail payments. Structurally, they are more centralized with very clear objectives.

Data shows that by 2024, the proportion of cross-border trade settled in RMB has reached 72%. What does this indicate? It shows that multiple parties are indeed jointly promoting "de-dollarization," through methods like local currency swaps and CBDC interoperability. This is not just political rhetoric; real financial infrastructure is moving.

For the trading market, what does this mean? It suggests what future on-chain cross-border transactions and settlement tools might look like. The advancement of national CBDCs is also opening new application scenarios for certain stablecoins and compliant digital assets.

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LiquidatedThrice

· 01-07 16:16

3 seconds to complete a transaction? Damn, this is real financial innovation, outpacing traditional banks by several blocks. --- De-dollarization is not just talk; this time it's serious. Will data deceive us? --- CBDC paving the way for stablecoins, what’s the next move? --- Gold-backed Peyman has some substance, much more reliable than air coins. --- 72% of the RMB market share, let the US slowly get anxious haha. --- Separating B2B and retail payments makes sense logically. --- Is the era of on-chain settlement really coming? Can I start stockpiling stablecoins now? --- Financial infrastructure is moving, the crypto world is about to go crazy. --- Wait, 3-second cross-border payments... what does this mean for current stablecoins? --- Multi-country CBDC linkage, traditional finance is being forced to evolve.

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TokenEconomist

· 01-07 15:58

actually, let me break this down—the key variable here is that CBDCs aren't decentralized crypto at all, they're just traditional finance wearing a blockchain costume. think of it this way: you're swapping one centralized ledger (fed reserve) for another (central bank), which... doesn't really solve the fundamental problem, ceteris paribus.

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SerumSquirter

· 01-06 16:22

Fast transaction in 3 seconds? Even faster than I can place an order haha --- Decentralization of the US dollar feels like it's really accelerating, no longer just on paper --- Central bank digital currencies are completely different from our tokens, they are at the infrastructure level --- 72% of RMB settlement share, this data is quite impressive... The days of the US dollar are indeed tough --- Peyman backed by gold feels like testing a new method of value anchoring --- In the future, stablecoins might really have a larger survival space, the policy direction is too obvious --- 3 seconds... Traditional finance has been hit with a dimensionality reduction attack --- This move, frankly, is each country acting independently to build parallel systems --- The true era of on-chain cross-border settlement is coming, and it feels like there are many opportunities --- I think this is the real financial innovation, not those flashy shitcoins

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BrokenYield

· 01-06 16:19

nah this is just cbdc theater... centralized by design, which defeats the whole point imo

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ShibaOnTheRun

· 01-04 16:53

3 seconds to complete a transaction? Damn, this efficiency really outperforms Swift. --- The de-dollarization trend seems to be accelerating. The 72% share of the RMB indicates that the system switch has already begun. --- CBDC, to put it simply, is a government-level stablecoin, but what’s scarier is that it can bypass the existing financial system. --- Gold-backed Peyman is quite interesting. Finally, someone remembers the old relic of gold. --- Speaking of, the US dollar hegemony is really about to be shaken this time. The future of on-chain settlement will likely involve coordination with various countries' CBDCs. --- Wait, B2B central bank digital currencies will eventually flow into retail; it’s just a matter of time. --- Iran has already launched its CBDC, and we’re still using paper money? The gap is a bit embarrassing. --- The work of stablecoins is about to be taken over by national-level CBDCs. How will private stablecoins continue on this path?

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StakeOrRegret

· 01-04 16:51

3 seconds to complete cross-border payments? Our on-chain stablecoins need to step up --- Decentralization from the US dollar is really happening quietly; the 72% share of the RMB is no exaggeration --- Wait, are CBDCs completely different from the tokens we play with? Of course, at the national level, control is key --- Peyman backing with gold is a good move, much more reliable than just printing money --- 3-second transactions... traditional finance is getting beaten, this is what the future should look like --- Is this wave of de-dollarization really going to succeed? It depends on how central banks coordinate --- Stablecoins are opening up new opportunities? Then I need to revisit which CBDC integration plans are the most reliable --- Iran dares to directly back with gold, quite bold, but how feasible is it technically? --- The RMB settlement share has reached 72%, this data is indeed significant --- It seems the on-chain ecosystem should start adapting to these national-level CBDCs, or it will really be marginalized

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0xOverleveraged

· 01-04 16:51

Transaction in 3 seconds? Damn, that's even faster than my usual operations. Traditional finance should really be worried. 72% of settlement volume is in RMB. The good days of the US dollar are indeed over. The de-dollarization wave has truly arrived. Projects like Peyman seem to be just the beginning. After the rollout of CBDCs in various countries, the space for stablecoins might actually be squeezed. Wait, a digital currency backed by gold—can it compare to BTC's value proposition? It's completely different. On-chain cross-border settlement does have potential, but how to overcome regulatory and compliance hurdles is a problem. With the widespread adoption of central bank digital currencies, is there still room for retail investors? It feels like they've been sidelined. This wave of de-dollarization, to put it plainly, is major powers redefining the rules of the financial game. As small retail investors, let's just watch. Peyman's design of backing with gold is quite interesting, but institutional-level stuff is completely out of reach for ordinary people. I have to admit, a 3-second transaction speed—DeFi's DEXs probably aren't that fast yet. The multi-party push for financial infrastructure development means that the CBDCs of individual countries will become increasingly important. The US dollar hegemony is declining.

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GateUser-a5fa8bd0

· 01-04 16:47

3 seconds to complete a transaction? Now that's a real financial revolution, way faster than us retail traders haha

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Fren_Not_Food

· 01-04 16:43

Complete cross-border payment in 3 seconds, traditional banks must be crying --- De-dollarization has shifted from a slogan to infrastructure, and this is the key --- Peyman gold-backed? Much more reliable than those pure air coins --- The integration point of央行CBDC and DeFi... this is the future gameplay --- 72% of RMB settlement share, is dollar hegemony really coming to an end? --- So the spring of compliant stablecoins is coming? --- Institutional CBDC and retail coins are not even in the same category --- On-chain cross-border settlement is about to be officially recognized, the era of wild growth is over --- The question is, with such national-level things, do we still need our crypto? --- Efficiency has improved, but the risks of centralization are also coming

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