Stablecoins have left the experimental phase and have begun to act as relevant infrastructure for payments, financial settlement, and international fund transfers.
The technology reduces costs, shortens settlement time, and offers greater agility for cross-border operations carried out by companies and financial institutions.
According to Giuliano Kohler Silva, banks have regulatory advantages, risk management expertise, and access to global liquidity to lead the new financial infrastructure.

Stablecoins have been consistently gaining ground in the international financial market. Although for years they were treated as a promising innovation within the digital asset universe, the current reality shows that these digital currencies already play a relevant role in the global financial infrastructure.

In the assessment of Giuliano Kohler Silva, Head of Crypto / FX Desk at Banco Braza, the market has moved beyond the experimentation phase.

According to the specialist, stablecoins have begun operating behind the scenes of the financial system, offering greater efficiency for payments, transaction settlement, and international transfers.

Stablecoin drives transformation in international payments

While much of the discussion about cryptocurrencies still revolves around the volatility of Bitcoin and other digital assets, the advancement of stablecoins is happening more quietly. However, their impact can already be seen in several areas of the financial market.

Stablecoins are digital assets pegged to fiat currencies, such as the dollar and the real. Due to this characteristic, they can offer value predictability while at the same time leveraging the speed provided by blockchain technology.

According to data from Chainalysis, the volume moved by stablecoins reached approximately $28 trillion in 2025. This figure highlights an important structural shift and demonstrates that the market has come to see these digital currencies as a practical tool for moving funds on a global scale.

In addition to significant volume growth, the adoption of stablecoins shows a relevant pattern.
Emerging countries are leading part of this movement, especially in regions where companies and investors seek more efficient access to strong currencies and lower-cost international operations.

Stablecoin reduces costs and increases operational efficiency

One of the main reasons for the growth of stablecoins is directly related to the limitations of the traditional financial system.
Currently, international transfers often involve multiple intermediaries, high fees, and long settlement periods. In many cases, a simple international remittance can take days to complete.

In this scenario, stablecoins emerge as an alternative capable of simplifying processes. The technology enables near-instant settlement, reduced operational costs, and more efficient access to global liquidity.

According to Giuliano Kohler Silva, this model works as an operational shortcut for companies and institutions that frequently carry out cross-border operations.
Thus, the technology helps increase competitiveness and reduce barriers in increasingly connected markets.

Furthermore, the search for financial efficiency has led companies from different sectors to consider integrating these solutions into their daily operations.

Regulation strengthens the stablecoin market

Another factor that has been accelerating the adoption of stablecoins is the regulatory progress observed in recent years.
For a long time, the absence of clear rules represented one of the main obstacles to the expansion of this market.
However, several jurisdictions have begun developing specific regulatory frameworks for the issuance, custody, and use of these digital assets.

In Giuliano Kohler Silva's view, this process has completely changed the sector's dynamics. Instead of representing a barrier, regulation has become a safety element for investors, companies, and financial institutions.
With clearer rules, banks and other market participants find a more favorable environment to develop stablecoin-based products and services. As a result, adoption is likely to grow even faster in the coming years.

Banks can lead the new stablecoin-based infrastructure

As the market matures, a new discussion gains strength: who will lead the stablecoin-based financial infrastructure? For Giuliano Kohler Silva, banks have important competitive advantages in this scenario.
Unlike technology companies, financial institutions already operate in highly regulated environments and have consolidated experience in risk management, compliance, and liquidity.

In addition, banks maintain direct relationships with corporate clients and have access to major global financial systems. These characteristics could accelerate the integration of stablecoins into traditional financial services.
That doesn't mean big techs are out of the race. Technology companies continue to offer advantages related to scale and user experience.
However, when it comes to large-scale fund movements, institutional trust and regulatory compliance tend to play a decisive role.

Stablecoin advances quietly within the financial system

Unlike other technological innovations that reach the end consumer with great media exposure, stablecoins evolve mainly behind the scenes.
Most users don't even notice when an operation uses this infrastructure. Even so, the technology has been transforming internal processes, reducing costs, and increasing the efficiency of various financial operations.

Despite the progress, experts note that important challenges remain under development.
Issues related to interoperability between systems, global regulatory harmonization, and risk management continue to require the market's attention.

Even so, Giuliano Kohler Silva believes that the current stage already demonstrates a significant structural shift. For him, the debate has moved away from the potential of stablecoins and now focuses on the best way to incorporate them into the financial system safely and efficiently.

Given this scenario, financial institutions that can integrate this technology quickly and with regulatory compliance could gain relevant competitive advantages in a market undergoing continuous transformation.