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“All Banks Will Want to Have Their Stablecoins,” Evaluates Charles Mendlowicz, The Honest Economist.
Stablecoins, or “stable currencies,” are emerging as one of the most relevant digital assets, redefining the future of global transactions and payments. Developed to mitigate the high volatility characteristic of cryptocurrencies like Bitcoin and Ethereum, stablecoins aim to maintain a constant value by tethering to external assets, such as fiat currencies (notably the US dollar) or commodities like gold.
Essentially, a stablecoin combines the stability of a traditional asset with the flexibility and efficiency of blockchain technology. “By being backed by reserves, like the dollar, the stablecoin allows the user to make fast, low-cost transactions available 24/7, overcoming the limitations of the traditional banking system,” explains Charles Mendlowicz, known as the Honest Economist, partner at consulting firm Ticker Wealth and four-time winner of the best investment influencer by ANBIMA.
The growing market interest in this type of asset is reflected in the numbers.
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The stablecoin sector reached a market capitalization of over US$ 190 billion for the first time, accumulating growth of more than 40% in 2024, according to data from the CoinGecko platform, with projections to exceed US$ 200 billion.
In Latin America, adoption has been notable, with dollar-denominated stablecoins leading cryptocurrency acquisitions.
Companies and service providers doubled their use of stablecoins for institutional payments between late 2024 and the first half of 2025, according to a report by Bitso Business.
The Market Potential of Stablecoins
Charles Mendlowicz highlights the fundamental role that stablecoins are expected to occupy in the financial ecosystem.
He projects that even the traditional banking sector will adopt these assets, indicating the potential of this technology: “I think all banks will want to have their stablecoins.
It’s a huge potential market, so anyone who doesn’t know what it is will have to learn.”
Mendlowicz points out that stablecoins fill a gap left by volatile cryptocurrencies: the function of a medium of exchange.
“Those who have Bitcoin, Ethereum, XRP, don’t want to spend. I don’t want to spend Bitcoin to buy something,” he explains, differentiating stablecoins as transactional assets.
The economist concludes that because they are stable, they will be essential for international transfers and purchases.
“Stablecoins will be the true digital currencies because whoever has the stablecoin will spend it somewhere,” he asserts.
The Future of Transactions
With the expansion of capitalization and the increase in institutional adoption, stablecoins are consolidating as a new type of asset, essential for modern payment infrastructure.
They not only facilitate international transfers and e-commerce but also provide access to a stable currency for millions of people in high-inflation economies.
The trend points to a future where stablecoins will play a central role, integrating blockchain technology into the global financial system.
About Charles Mendlowicz, The Honest Economist
Charles Mendlowicz is one of the leading figures in the Brazilian financial market, with 30 years of experience and a successful track record in finance and retail.
He is a partner at Ticker Wealth, where he leads the expansion strategy, and the author of the bestseller “18 Principles for You to Evolve.”
His direct and transparent approach has established him as a trusted influencer, having been elected the best investment influencer by ANBIMA four times.
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