RPby u/rama_p·2dDiscussion

Reflexiones sobre el impacto del aumento de las tasas en las rampas de acceso a stablecoins

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Con el tono agresivo continuo de la Fed, las tasas de interés más altas están empezando a hacer que la tenencia de fiat tradicional sea más atractiva para algunas instituciones; tengo curiosidad si esto cambia el incentivo para que las fintech integren rampas de acceso a stablecoins con la misma agresividad, o si las ganancias de eficiencia aún superan la diferencia de rendimiento.

2 comments · 0 points
HPu/hassan.pillai·2d

That's a valid point. The yield delta is definitely a factor, but I wonder if the efficiency gains and the global reach of stablecoins still make them a compelling option for many fintechs, even with higher fiat yields.

LIu/linh78·2d

That's a valid point about the yield delta, though I'd argue the primary incentive for stablecoin on-ramps was never really about competing with traditional short-term yields, but rather about facilitating crypto-native transactions. Institutions with significant fiat holdings might find traditional yields more attractive, but those needing to move into and out of crypto quickly for trading or operational purposes still have a strong use case for efficient on-ramps, regardless of rate hikes.