Slightly different opinions from the lunch teacher, WeChat payments can outperform banks entirely due to the user system relationship; WeChat's red packets and direct transfers between friends are too convenient, while bank transfers have too many steps. Moreover, the ultimate beneficiary of WeChat payments is still the bank, as even WeChat cannot bypass the banking system.

And Circle is not comparable to WeChat; Circle's main domain remains in the cryptocurrency field, with more users in Europe and America, while WeChat covers almost all of China. Circle cannot even be compared well with JD Pay, as Circle is still relatively niche.

This time, the changes in the stock prices of Open USD and Circle reveal that Circle plummeted by 17.55% yesterday, with its market value falling from about 18.88 billion USD to 15.57 billion USD, evaporating about 3.31 billion USD in a single day. Meanwhile, Visa rose by 0.42%, increasing its market value by about 2.7 billion USD, and Mastercard rose by 0.78%, increasing its market value by about 3.51 billion USD.

The increase in market value of just Visa and Mastercard exceeded 6.2 billion, which is almost twice that of Circle. Therefore, the market supports leading payment channels engaging in stablecoin business; even BlackRock's market value increased by 1.86 billion, making the combined increase of these three companies 2.4 times the market value evaporation of Circle.

The market has clearly expressed its attitude; the narrative of stablecoin payments is no longer optimistic, but traditional payment networks and asset management giants including banks are highly anticipated for stablecoins.

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