Visa:稳定币或重塑全球 40 万亿美元信贷市场

链捕手
Oct 17, 2025

ChainCatcher 消息,据 Visa 最新报告显示,稳定币在过去五年已促成约 6700 亿美元贷款,平均贷款额从 7.6 万美元上升至 12.1 万美元,其中 USDC 和 USDT 占比达 98%,与其在总市值 3070 亿美元的市场份额相符。

Visa 指出,稳定币有望推动传统金融机构将全球 40 万亿美元信贷市场部分迁移至区块链可编程体系,从而改变信贷格局。但国际货币基金组织(IMF)警告称,稳定币的快速发展可能导致金融体系杠杆升高、风险积聚及期限错配等问题。Visa 报告强调,银行和金融机构应理解可编程货币如何重塑信贷市场,以抓住潜在机遇。

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