7 Types of People & Their Takes on Stablecoins: Where Do You Stand?

Stablecoins and cryptocurrencies remain front and center on Wall Street

$Trump Media & Technology(DJT)$ announced on Monday that it has accumulated approximately $2 billion worth of Bitcoin and related assets. Since Trump pivoted toward the high-yield world of cryptocurrencies, his net worth has continued to grow throughout his time in office. According to a press release, Bitcoin holdings now account for roughly two-thirds of Trump Media’s total liquid assets.

As more people flock to the crypto space, what’s your stance?

1. Most excited: Economists and traditional industry investors (non-currency fields)

Many of these individuals had never heard of stablecoins before 2024 or still associated them with the outdated Libra concept. To them, stablecoins are a fresh and disruptive innovation that could reinforce the dominance of the U.S. dollar and even reshape the global monetary system.

2. Moderately excited: Brokerage analysts in macroeconomics, non-bank finance, and IT

Macro reports often focus on the mechanisms and growth potential of stablecoins, while tech and finance teams emphasize their potential to disrupt traditional finance through performance, efficiency, and innovation. Their enthusiasm is driven more by rising market sentiment and capital interest than by the fundamentals of stablecoins themselves.

3. Also excited: KOLs and independent media in the crypto space

Major crypto narratives that go mainstream are rare. The last time this kind of broad attention was seen was during the 2021 metaverse craze.

4. Developers and blockchain engineers

The public’s desire to understand concepts like stablecoins and real-world assets (RWA) has led to renewed attention on technical innovations like public chains, consortium chains, oracles, and AMMs, giving blockchain developers a rare platform to showcase their work.

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Who’s more cautious?

1. Those actually building stablecoins, RWA projects, or cross-border payment systems

They tend to have a more grounded view and are keenly aware of the non-technical barriers, such as user adoption and ecosystem readiness, that hinder real-world implementation.

2. Old-school crypto veterans

Many long-time crypto players are unimpressed by stablecoins, seeing them as the least “blockchain-like” products in the ecosystem. With limited upside potential and little decentralization, stablecoins and RWAs feel like recycled hype from the FTX era.

3. Central bank digital currency (CBDC) professionals

Since CBDCs and stablecoins share structural similarities—both replicating fiat currency using blockchain—their cautious stance often stems from a slower-moving CBDC landscape. As the blockchain world evolves, they believe mainstream recognition will come with deep institutional backing.

Discussion Questions:

1. What’s your stance? Excited or cautious?

2. Are you in it now or still watching?

3. Are we witnessing a fundamental shift toward crypto integration, or just another hype cycle?

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