Christian, founder of Infini: The essence of stablecoins is as "USD replacement tools," with core demand coming from non-mature financial markets.

According to BlockBeats, on April 21st, during the panel discussion "Decoding Web 4.0: When AI Agents Take Over On-Chain Permissions," Infini founder Christian discussed the relationship between stablecoins and AI Agents. He stated that the underlying logic of stablecoins is not complex, with two core aspects: first, serving as a substitute for the US dollar to provide a universal currency with settlement and transaction value for users worldwide; second, emerging and being widely used in regions with underdeveloped financial infrastructure. Therefore, the real demand for stablecoins comes more from emerging markets rather than developed countries with mature traditional financial systems.

On a practical level, Christian emphasized that the greatest value of stablecoins lies in restructuring payment and settlement efficiency. Compared to the traditional banking system, which has a cost of 30–50 US dollars per transaction and connection times of several weeks, on-chain transaction costs have now dropped to a few US dollars, making micropayments and high-frequency settlements possible.

Using Infini’s product as an example, he explained that users can generate a stablecoin payment link in under a minute without any coding skills and quickly distribute it across various social or business scenarios, enabling instant payments globally. This model is nearly impossible to implement within the traditional financial system, where companies typically need to go through lengthy processes for account opening and payment integration.