The bank moved a single test payment between North America and Europe on Stellar, and its head of digital assets calls USBDC one component of a strategy that also runs through the Open Standard and Zelle consortiums.
Reality
- Evidence55
- Adoption8
- Hype gap+20
- Incentives60
- Confidence65
The integration reaches about a quarter of America's 4,000 community banks with payment acceptance that needs no new statute, which leaves the Senate's Clarity Act vote to decide the value of the rewards option rather than the plumbing.
Perspective Coverage
5 publishers
- Builder
- Builder 25%
- Operator
- Operator 42%
- Investor
- Investor 33%
Reality
- Evidence55
- Adoption
- Insufficient
- Hype gap+30
- Incentives65
- Confidence60
MoneyGram's new card in Colombia runs on Circle's USDC, with Rain issuing and Stellar settling. The company says its own MGUSD token comes next, and the dollar balance behind the card would then be MoneyGram's.
Reality
- Evidence40
- Adoption18
- Hype gap+24
- Incentives76
- Confidence55
RWA.xyz's count puts US T-bills at $15bn of a $46.2bn total and five assets at about 70% of it. Other trackers stop at $38bn, so the Treasury share of onchain finance moves seven points on the choice of tracker.
Reality
- Evidence30
- Adoption62
- Hype gap+22
- Incentives55
- Confidence32
Circle's euro stablecoin has regulatory cover, five blockchains and card-network settlement. Four years in it has passed EUR 400 million, in a market where roughly 98% of stablecoin value is dollar-denominated.
Reality
- Evidence30
- Adoption38
- Hype gap+20
- Incentives78
- Confidence38