Stablecoins and Related Company Stocks | How Stablecoins are reshaping payments?

What are stable coins?

To begin, we need to define stablecoins. What are they? And how do they affect the global financial system? What is their relationship to the GENIUS Act passed by the US Congress? Do they pose any threat to traditional banking operations?

What is taking place across the world right now can only be described as shifting towards a multipolar world and a restructuring economic system. Stablecoin’s steady persistent expansion is one of the key drivers of this shift and is a turning point in the future of the US dollar in specific and central banks and traditional banks in general, especially now that stablecoins have been legalized in the United States.

Stablecoins are considered a revolutionary payment method, threatening existing traditional ones due to their ability to process transactions instantly at a very low cost. Making it the perfect, flexible, affordable payment alternative. From their name, stablecoins are stable and not subject to price volatility like currencies issued by central banks. Most importantly. Stablecoins are pegged to safe assets like the US dollar.

Why Stablecoins Are Reshaping Payments: A Look at Their Growth and Regulation

In 2025, the US Congress signed the GENIUS Act, providing a legal and regulatory framework for stablecoins linked to the US dollar. This will enhance the dominance and attractiveness of the dollar globally and create demand for US debt instruments. This law allows private companies to issue their stablecoins under direct government supervision to protect traders and support innovation. Therefore, this law is considered a watershed moment in the relationship between traditional banks and stablecoins.

The GENIUS Act put strict requirements in place that include the full backing with cash reserves, monthly financial audits, and strict compliance with anti-money laundering laws. This Act will increase demand for US T-bills, especially with the stablecoin markets predicted to surpass the trillion-dollar mark in the next three years, knowing that its currency market value is set at around $300 billion. The value of transactions using stablecoins in 2025 surpassed the $28 trillion barrier.

On the flip side, many analysts and economists have warned of stablecoins disrupting traditional financial markets, weakening the reach of central banks and their management of monetary policies. Additionally, the heavy investing into stablecoins might cause many to withdraw from government bonds, thus limiting banks' abilities to lend money to individuals and corporations. This fast spread of stablecoins might also push interest rates to fall, negatively affecting the money supply of loans.

Most popular stablecoins

The most widespread stablecoins are as follows:

• USDT (Tether): Considered the largest currency in terms of market value (approximately $186 billion)
• USDC (USD Coin): Considered the second-largest stablecoin (approximately $72 billion)
• USDE (Ethena): A relatively new stablecoin but gaining popularity rapidly (market value approximately $6.6 billion)
• PYUSD (PayPal): A stablecoin backed by PayPal (market value approximately $3.8 billion)

Key companies Linked to stablecoins

The most important companies related to stablecoins are Coinbase (COIN), Circle Internet (CRCL), and Fiserv (FI). These companies are directly affected by the development of the stablecoin market and are considered leading companies in the stablecoin sector.

The stablecoin sector may witness more listings and accelerated growth with increasing demand. These companies are likely to have increasing influence in this field, and many companies are taking bold steps in this area.

Technical analysis of key stocks

1. Stock: Coinbase (COIN)

The stock has declined by about 5.6% since the beginning of this year, extending previous declines after recording levels of $419 as the highest price the stock reached in July 2025. It is currently trading near the $213.5 level per share. The chart shows the stock's movement within a downward trend and abandonment of previous support near $232, while we will treat levels close to $263 as a current resistance zone.

2. Stock: Circle Internet (CRCL)

The stock continues its movement within a downward trend before stabilizing horizontally between a resistance area near $92 and a support area near the $65 level. We will monitor how the stock interacts with these levels.

3. Stock: Fiserv (FI)

The stock is trading at its lowest levels ever near $67.1 after recording levels of $235 in February 2025. Currently, we are monitoring the resistance area near $72 and the support area near $60 and how the stock will deal with them.

Conclusion

As observed, despite these stablecoin-related stocks enjoying a distinguished position in this field, especially with increasing regulatory laws and growing widespread use, the chart analysis does not reflect that reality. It appears they are waiting for a bigger breakthrough to improve their performance. This requires conducting studies and follow-up by investors to explore investment options in this thriving sector.

At the end of our article, we emphasize that what the economic arena is currently witnessing represents a comprehensive rethinking of the structure of the global economic and financial system and the return of the dollar to global dominance. Stablecoins were designed to have stable value against traditional assets.