Stablecoins are increasingly displacing traditional banks

The capitalization of stablecoins is steadily growing, replacing a portion of fiat-based finance

As of early June 2025, the market capitalization of stablecoins exceeded $250 billion. The segment leader is Tether (USDT) with over $153 billion, followed by USDC from Circle with $61 billion.

Stablecoins have long evolved from a niche tool for crypto traders into a full-fledged alternative to traditional banking.

Originally, stablecoins like Tether (USDT) were created to meet the needs of crypto traders: locking in profits from trading Bitcoin and altcoins, and quickly transferring capital between exchanges for arbitrage. Gradually, the advantages of stablecoins have become increasingly evident to a broader audience. These include:
• Fast transactions and low fees
• 24/7 availability
• Simplified asset control
• Easy access to international markets and payments

In 2025, stablecoins are being increasingly used for everyday financial transactions. Companies like Meta and Google are already exploring ways to integrate them into their platforms, and within the crypto industry, more people use USDT and USDC exclusively for business and personal transactions.

Over the past five years, stablecoins have moved beyond merely being a fiat substitute for transferring funds between exchanges and users. Today, they offer yields that can surpass traditional banking products and serve as an alternative investment method in assets like gold.

One of the attractive aspects of stablecoins has also become the ability to earn passive income through decentralized exchange (DEX) DeFi platforms and staking services. In May of this year, lending protocols even surpassed DEX in volume.

The returns from the above-mentioned uses of stablecoins significantly exceed the interest offered by traditional bank deposits. And some of the most competitive staking terms on the market are offered by the investment platform Selwix.

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