Introduction: America’s Dilemma Amid Global Economic Uncertainty
In 2025, the U.S. economy is at a critical turning point. Escalating trade wars, geopolitical tensions, and domestic fiscal pressures are intertwining, impacting not only the United States but also global supply chains and financial markets. According to the latest forecast from the International Monetary Fund (IMF), global economic growth in 2025 is expected to slow to 3.2%, with the U.S. contribution facing downside risks. The core issue is the exponential expansion of the U.S. national debt: as of November 2025, total public debt has exceeded $38 trillion, more than six times the approximately $6 trillion in 2000. This debt burden has evolved from a structural problem into a systemic crisis, with interest payments now the largest single item in the federal budget, surpassing defense and healthcare spending. Meanwhile, tariff policies and immigration restrictions under the Trump administration have intensified inflationary pressures, and the consumer confidence index in November

Author: Prathik Desai; Compiled by: Block unicorn
Preface
Digital payments have traditionally been slow and tedious.
In the past, secure information networks (SWIFT), clearing systems (ACH, RTGS), and card networks could only transfer funds in batches on business days, and we rarely noticed these infrastructures unless something went wrong. Users don’t have to worry about the infrastructure, but they have to pay high spreads and fees for it.
Blockchain has changed all of this, especially for countries with unstable local currencies and weak economies.
For example, a US company pays a consultant based in a South Asian or South American country. In this case, using stablecoins for payment can make a world of difference. Suppose a US company remits $1,000 to a contractor in India.
Traditional remittance platforms charge fees that are 10 to

This article examines how fintech reduces psychological barriers to household financial participation through digital payments, thereby promoting investment in risky assets. Empirical analysis shows that the higher the frequency of FinTech usage, the greater the likelihood that users will invest in risky funds, especially in regions with insufficient financial services. The article highlights the advantages of technology platforms integrating multiple financial services, while also pointing out the complexity and challenges of regulation.

The current crypto industry is facing a severe consensus split, with various new forces attempting to restructure the old order, leading to constantly changing industry rules and low confidence. The clash between new and old consensus makes industry development difficult, and the future is filled with uncertainty.