#稳定币应用场景 Seeing Coinbase's prediction about stablecoins in 2026, claiming that by the end of 2028 the total market cap will reach 1.2 trillion, with applications like cross-border settlements, remittances, and payroll platforms exploding, I have to pour cold water on that.

I've heard too many of these predictions; every year, institutions shout "this is the year of the blockchain" or "the next big trend," and then what happens? Most projects die at the stage of application implementation. Stablecoins sound attractive, but don’t be fooled by the number "1.2 trillion"—that’s an estimate based on an ideal scenario.

The reality is this: most stablecoin application scenarios on the market are still limited to basic functions like trading pairs and quick settlements. Cross-border remittances and payroll distributions sound promising, but they involve high costs related to regulation, compliance, and user education. Moreover, the more vibrant the stablecoin ecosystem on-chain, the more concentrated the risks become—if a leading stablecoin encounters issues, the entire ecosystem could be dragged down.

DAT 2.0 and new tokenomics models are essentially about "how to give coin holders more profit incentives." In simple terms, the market is still looking for new reasons to believe these assets are valuable. What’s the most dangerous at this point? Following the trend into the market, because those people are often influenced by the story rather than understanding the risks.

If you want to survive long-term here, remember one key point: behind any high-growth prediction, there’s a high failure rate. When choosing stablecoin applications, don’t focus on how Coinbase is hyping it, but on what real problems it solves, whether it has a genuine user base, and how well risk management is handled.