The Earthquake of Stablecoins and Artificial Intelligence.

When a company the size of American Express loses more than 7% of its value in a single day without any negative news of its own, it means the market has begun pricing in the "end of an era."

The collective decline of payment giants—Visa, Mastercard, and Capital One—isn't just daily fluctuations; it reflects a panic stemming from the realization of one truth:

Artificial intelligence doesn't care about "brand," it cares about "efficiency."

-- The Hidden Engine: AI Seeks the Cheapest Route
Imagine software systems (AI agents) performing thousands of financial transactions per second.

These systems don't choose Visa because it's well-known; they are programmed to automatically select the fastest and least expensive route.

Comparing traditional card fees, which can reach 3%, with stablecoins, whose fees are virtually zero,

the AI ​​decision becomes purely mechanical:

Bypassing the entire legacy infrastructure.

-- Numbers that are redrawing the map
- Liquidity is flowing:

The volume of stablecoin transactions jumped by 72% to reach $33 trillion in 2025.

Predictions from major banks:

Citibank predicts that the supply of stablecoins will reach $1.9 trillion by 2030,

which means they could support transactions worth up to $100 trillion annually.

The instantaneous crash:

On Monday, these companies lost hundreds of billions of dollars in market value simply because of reports warning that "Agent AI" payments have already begun using stablecoins to circumvent traditional network fees.

The Meaning Behind the Crash

The problem isn't the technology, but the "moat."

Payment companies used to thrive on monopolizing the "gateways" between banks and merchants.

Today, stablecoins backed by US Treasury bonds offer an instant, global, and intermediary-free payment method.

Artificial intelligence is the "accelerator" that will transform this technology from mere crypto experiments into the backbone of global commerce.

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