2026-01-17 06:24:21

An interesting phenomenon — recently, a certain public chain ecosystem's stablecoin application has been expanding rapidly. Just after launching the mainnet, it attracted over 2 billion USDT in liquidity, placing it among the top ten in stablecoin TVL rankings.

What’s even more attractive is their launch of a super app model. Users can directly use USDT for daily transactions and also earn over 10% returns, truly combining the "interest-earning" and "payment" scenarios into one.

Driving this ecosystem is the XPL token, which not only handles governance and staking but also functions as the lifeblood of the entire payment infrastructure. From payments to finance, and from individuals to institutions, this logic seems to be breaking the traditional single role of stablecoins.

Whether this move can become a turning point for the next-generation payment method remains to be seen, depending on market reactions. However, the rapid cold start of the ecosystem has indeed given this track a new realm of imagination.

XPL-18,66%

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GateUser-6bc33122

· 01-19 19:03

200 million liquidity influx is indeed eye-catching, but that 10% return... can it really hold up? --- The combination of payment plus interest is interesting, but I'm just worried that everyone will run away together when it scams later. --- XPL blood talks very tough, but don't let your heart stop one day, okay? --- Fast cold start is quick, but claiming the mainnet is the next-generation payment just after launch? That's a bit early. --- It's common to see USDT flow to new chains, but the key is retention—don't end up just becoming air in the end. --- Returns of over 10%... this temptation is indeed strong, but who will guarantee this promise? --- Everyone dreams of moving from payments to finance, but how many will live to see next year?

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CryptoSurvivor

· 01-19 17:06

Investing 2 billion to reach the top ten? That's a bit outrageous. We need to see how long it can last.

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GateUser-3824aa38

· 01-19 04:32

20 billion USD cold start, this pace is a bit aggressive. By the way, is the 10% return real or just a gimmick?

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ApeEscapeArtist

· 01-18 16:26

20 billion USDT flowing in, 10% returns... How come this scheme feels so familiar to me --- Interest + payment combined? Looks good, but I'm worried about early cold start hurting retail investors --- XPL as blood? Blood flow is essential; without circulation, it's a clot. Can this ecosystem withstand the rush of withdrawals? --- Another "revolutionary innovation," I just want to see how long it can last --- Unprecedented super app, top 10 TVL is indeed impressive... but it’s always like this in the early stages --- 10% annualized yield, mainnet just launched? I doubt this return can last for a few months

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GrayscaleArbitrageur

· 01-17 06:54

200 billion USDT flooding in? Just looking at the numbers is indeed intimidating, but I'm worried it might just be another capital game... Wait, 10% payment + interest? Can this combo really work? Feels a bit exaggerated. If XPL really becomes the "blood" of the ecosystem, how big would the initial hype risk be... A quick cold start doesn't mean it can be fully cold-started; how many projects have already failed in this track. The path of stablecoin payments, I remain skeptical.

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MEVHunterLucky

· 01-17 06:51

20 billion USDT flowing in, top ten TVL... this data is pretty impressive. Is it a bit too smooth for such a quick cold start? I have a feeling there might be a story behind this.

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MevWhisperer

· 01-17 06:41

2 billion liquidity cold start, this speed is indeed outrageous... The integration of payment + earning sounds good, but I'm just worried it might be another round of hype.

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VibesOverCharts

· 01-17 06:39

200 million USDT flooding in and people start saying it's the next-generation payment? I'm watching, let's see how long it can last before making any judgments. --- Payment + earning interest sounds good, but how many can really use it daily? Most of it is just hype. --- XPL blood theory is too romantic haha, whether it can really break through is hard to say. --- Cold start is quick, but whether it can retain talent later is the key. It's too early to draw conclusions now. --- 10% returns... what about the risks? Why not discuss that part? --- Another revolutionary track, just waiting to see the joke.

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LiquiditySurfer

· 01-17 06:38

Really? 2 billion USDT in liquidity was injected so quickly? It feels like a game of institutional leverage. The combination of payment + interest-earning sounds good, but where does the 10% return come from? I always feel like free lunches come with a price. If XPL really becomes the bloodline, there will definitely be even crazier ways to play ahead.

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MetaverseLandlady

· 01-17 06:26

2 billion coming in so quickly? Feels a bit fake, is it real gold and silver or just follow-the-money funds? Can consumption still earn 10%? This profit model could collapse at any time... XPL is just a chip, the key is how long USDT's liquidity can support it. Another next-generation payment method, I've heard this phrase so many times my ears are calloused. How can stablecoins stay stable? It all depends on whether this public chain itself can remain stable. A quick eco cold start doesn't mean it can heat up quickly; I'm quite pessimistic. Payment plus earning interest sounds good, but will users foot the bill?

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