Karin Daniels
Apple, Google, Airbnb, da X suna binciko haɗe-haɗe na bargacoins a cikin dandamalin su, da nufin rage farashin ciniki da daidaita biyan kuɗin kan iyaka. Wannan yunƙurin ya yi daidai da kasuwannin da ke haɓaka cikin sauri, wanda ya haura da 90% tun daga Janairu 2024, yana haɓaka daga dala biliyan 131.3 zuwa dala biliyan 249.3 a cikin babban kasuwar kasuwa.
Sha'awar manyan kamfanonin fasaha na zuwa ne a yayin da ake ci gaba da yunƙurin yin ka'idojin stablecoin na Amurka. A cewar rahotanni na baya-bayan nan, kowane kamfani yana cikin wani mataki na aiwatarwa. Google, alal misali, ya riga ya sauƙaƙe ma'amaloli biyu na stablecoin kuma yana kimanta ƙarin haɓakawa, yana ambaton buƙatar ingantaccen, biyan kuɗi na kowane lokaci. A halin yanzu, an ba da rahoton cewa Airbnb yana tattaunawa da Worldpay don bincika amfani da bargacoin azaman dabarun rage dogaro ga hanyoyin sadarwar katin gargajiya kamar Visa da Mastercard.
Dandalin zamantakewa X kuma yana yin hulɗa tare da kamfanoni na cryptocurrency don yuwuwar haɗa bargacoins cikin app ɗin sa na X Money. Wannan yunƙurin ya yi dai-dai da babban burin Elon Musk na sauya dandamali zuwa tsarin yanayin tattalin arziki. Kamfanin ya kasance yana tabbatar da lasisin watsa kuɗi a duk faɗin Amurka.
Faɗin masana'antar fasaha yana ƙara haɗa kai tare da masu samar da kayan aikin biyan kuɗi. Sanannun haɗin gwiwar sun haɗa da Mastercard tare da MoonPay, Visa tare da gada, da kuma siyan dala biliyan 1.1 na Stripe na gadar a ƙarshen 2024, al'amarin da da yawa ke la'akari da mahimmanci a cikin tushen Silicon Valley zuwa mafita na kwanciyar hankali.
Kamfanin Crypto Paxos, mabuɗin ɗan wasa a cikin sararin samaniya, yana aiki tare da Stripe da PayPal don sadar da sabbin ayyukan biyan kuɗi. Paxos kuma yana bayan PayPal's PYUSD stablecoin, wanda a halin yanzu yana rike da jarin kasuwa na dala miliyan 978.
Wannan haɓakar tallafi da saka hannun jari yana buɗewa yayin da Majalisar Dattijan Amurka ke yin niyya game da Jagoranci da Kafa Ƙirƙirar Ƙira don Dokar Stablecoins na Amurka—wanda aka fi sani da Dokar GENIUS. Kudirin yana neman kafa cikakken tsarin tsari don bayarwa da amfani da stablecoin. Koyaya, ya haifar da gagarumar muhawara game da rawar da Big Tech ke takawa wajen fitar da kudaden dijital.
Sanata Josh Hawley na jam’iyyar Republican ya nuna adawa da kudirin a halin yanzu, yana mai nuni da damuwar da Big Tech ke yi na samar da kudaden da ka iya gogayya da dalar Amurka. A halin da ake ciki, an ba da rahoton cewa 'yan majalisar dokoki na Demokradiyya suna aiki kan gyare-gyare don hana manyan kamfanonin fasaha ba da nasu tsabar kudi, don haka suna buƙatar su yi amfani da fitattun masu ba da labari kamar Tether ko Circle.
Kamar yadda inci bayyananniyar ƙa'ida ta kusanci, stablecoins suna fitowa a matsayin ɗayan mafi amfani da aikace-aikacen fasahar blockchain - yana nuna alamar canjin yadda kuɗi ke motsawa a cikin zamani na dijital.
