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

BlockBeats message, April 21, during the roundtable discussion “Decoding Web 4.0: When AI Agents Take Over On-Chain Permissions,” Infini founder Christian stated, regarding the relationship between stablecoins and AI Agents, that the underlying logic of stablecoins is not complicated. Its core lies in two points: first, as a substitute for the US dollar, providing users worldwide with a universal currency that has settlement and trading value; second, it was created and has been widely applied in regions where financial infrastructure is not well developed. Therefore, the real demand for stablecoins comes more from emerging markets than from developed countries with mature traditional financial systems.

In terms of actual application, Christian emphasized that the greatest value of stablecoins lies in reconfiguring payment and settlement efficiency. Compared with the cost of a single transaction of $30–50 and the multi-week onboarding timeline in traditional banking systems, current on-chain transaction costs have been reduced to the few-dollar level, making micropayments and high-frequency settlement possible.

He gave Infini’s product as an example, saying that users can generate stablecoin payment links in one minute without coding skills, and then quickly distribute them to various social or business scenarios to achieve instant payments worldwide. This model is almost impossible to realize in traditional financial systems, because companies typically need to go through lengthy account opening and payment integration processes.