Nobody in US or Europe Should Use Stablecoins

Stablecoins are made for professional traders, market makers, and hedge funds - not for retail.

Stablecoins aren’t made for you.

That’s not only my opinion.

That’s Tether CEO Paolo Ardoino speaking facts.

And he’s right.

Stablecoins are NOT for everyday payments.
Stablecoins are NOT for buying coffee.
Stablecoins are NOT for your grandma’s remittances.

You think stablecoins are used by retail?

You're WRONG.

Stablecoins are for professional traders - hedge funds, market makers, and prop firms - to move billions across exchanges instantly.

Here’s what people get wrong:

1️⃣ Stablecoins Are the Backbone of Crypto Trading - NOT Payments

Visa research shows 90% of stablecoin transactions are bots & trading firms -- not real consumer payments.

Market makers use stablecoins to rebalance liquidity across trading venues at lightning speed.

Stablecoins exist because banks are too slow for crypto’s 24/7, high-frequency trading world.

2️⃣ MiCA Regulators Have No Clue How Stablecoins Work

Europe is forcing Tether and Circle to hold 60% of reserves in EU banks.

Banks reinvest those deposits into low-liquidity euro bonds - making redemptions slower, not faster.

Tether holds $102.5B in US Treasuries because they’re more liquid, safer, and globally trusted.

Remember Silicon Valley Bank?

USDC had $3 billion trapped in a collapsed bank.

Peg crashed to $0.80 overnight.

Withdrawals froze for 48 hours.

MiCA wants ALL stablecoins to rely on fragile banking systems. It’s a disaster waiting to happen.

3️⃣ Tether Will NEVER Comply with MiCA - And That’s a Win

MiCA forces stablecoins into outdated banking rules.

Europe’s entire stablecoin market is $252 million (compared to Tether’s $120 billion dominance)

Tether doesn’t need MiCA. MiCA needs Tether.

By banning USDT, Europe is cutting itself off from global liquidity.

Traders won’t wait. They’ll move capital to Asia, Middle East, offshore hubs.

4️⃣ US Stablecoin Policy Is Now Smarter Than Europe’s

BlackRock is tokenizing Treasuries.

US spot ETFs are setting records.

Trump is pushing crypto deregulation & Bitcoin reserves.

USDC & Tether dominate because they DON’T rely on slow banks.

5️⃣ Stablecoins Are for the Smartest Players in the Market

Prop firms, hedge funds, and market makers move billions with USDT & USDC daily.

Binance, OKX, Bitfinex, and Bybit depend on stablecoins to function.

Retail?

You don’t need them.

You already have a bank account.

I've been in crypto industry for 10+ years.

I've build a crypto exchange and crypto market maker.

I've seen first-hand that retail Europe and US are not using stablecoins.

Final Reality Check

Stablecoins aren’t here for you.

They’re here for the financial elite running global crypto markets.

MiCA doesn’t get this. That’s why Europe is making itself irrelevant.

Tether doesn’t care. It will keep growing - outside of MiCA’s reach.

💬 Agree? Disagree?