Infini Founder Christian: The essence of stablecoins is a "USD replacement tool," with core demand stemming from underdeveloped financial markets

CryptoWorld News reports that on April 21, during the roundtable discussion titled “Decoding Web 4.0: When AI Agents Take Over On-Chain Permissions,” Infini founder Christian stated that the underlying logic of stablecoins is not complicated, and its core revolves around two points: first, serving as a substitute for the US dollar to provide a universal currency with settlement and trading value for users worldwide; second, being born and widely used in regions with underdeveloped financial infrastructure. Therefore, the genuine demand for stablecoins mainly comes from emerging markets rather than developed countries with mature financial systems.

On the practical application level, Christian emphasized that the greatest value of stablecoins lies in reconstructing payment and settlement efficiency. Compared to the traditional banking system’s cost of $30–50 per transaction and access cycles spanning several weeks, on-chain transaction costs have now dropped to a few dollars, making micro-payments and high-frequency settlements possible. He cited Infini’s product as an example, where users can generate stablecoin payment links within a minute without coding skills and quickly distribute them across various social or business scenarios to achieve instant global payments. This model is nearly impossible to implement in traditional financial systems, as companies usually need to go through lengthy account opening and payment access procedures.