The summer of stablecoins is coming, is Owlto Finance teaming up with USD1 to become the next hundredfold infrastructure project?

The coordination of Owlto Finance x USD1 will bring active users to USD1, increase DeFi use cases, and provide solutions for the real utility of the Token.

Source: Owlto Finance

The Meme Coin Carnival Has Ended, Stablecoin Summer Has Arrived

It has been a long time since the last nationwide dog-fighting campaign. In December 2024, the largest launch platform Pump.Fun is making over ten million USD in daily profits, launching thousands of graduating tokens; by July 2025, Pump.Fun's profits plummet to about one million USD per day, with only around 100 tokens graduating daily. 99% of the tokens will go to zero within 24 hours, and the hype around memes has dropped by over 90%. In this downward trend, Pump.fun also needs to seize this last opportunity to issue tokens. However, with a fully diluted market cap of 4 billion, it might soon drain the last drop of liquidity from the Meme market.

Every bull market has a new narrative. In 2017, ICOs and public chains blossomed, becoming the most important narratives during the crypto bull market, laying the foundation for Token economics and infrastructure; in 2020, DeFi, NFTs, and the metaverse once again became the new narratives in the crypto market, pushing blockchain towards the application stage.

However, this round seems to be only about memes. The bull market of 2024 is driven by meme fever, which has been criticized both inside and outside the circle, as it seemingly does not provide real innovation and indirectly indicates a lack of quality assets in the market. With the issuance of Trump coin in early 2025, this meme craze reached its peak, followed by several months of downturn. In the face of the persistent downturn of memes, BTC has rebounded 45% from its lows, suggesting that the driving factors for growth have quietly changed. As cryptocurrency regulation matures, the Genius Act is nearing passage, and Circle's IPO surged tenfold, the answer seems to have been in front of us all along — the new narrative of this bull market may be stablecoins.

The narrative dominated by stablecoins symbolizes a fundamental shift in this round of the cryptocurrency market cycle from speculative meme dogecoin hype to institution-driven stability and practicality. As regulation clarifies and promotes institutional adoption, the use of stablecoins has expanded to real-world payment applications.

Stablecoins, after all, represent a more respectable, easier to expand, and more valuable market.

Stablecoin Summer is here.

The Surprising Potential of Stablecoins Under Favorable Regulation

The core features of this new cycle are threefold: clear regulation, institutional adoption, and global proliferation, while stablecoins serve as a key bridge connecting traditional finance and web3.

Regulatory Clarity: The "GENIUS Act" represents the first comprehensive regulatory framework for stablecoins in the United States, which was passed by the Senate procedural vote on May 19, 2025, with a vote of 166-32, and is expected to be signed into law by President Trump before the August congressional recess. Hong Kong also passed a stablecoin bill on May 2025, requiring that stablecoin issuances anchored to fiat currency must apply for a license and meet regulatory standards such as reserves and KYC/AML. Meanwhile, Ant Group and JD.com announced their entry into the stablecoin business, becoming the first Chinese tech giants to enter the stablecoin sector, building their own stablecoins on this institutional springboard in Hong Kong. Countries such as the UAE, Canada, the UK, Switzerland, Japan, Singapore, and South Korea are also exploring their own stablecoin legislation. Global regulatory convergence focuses on 1:1 reserve support, a comprehensive licensing framework, and strong AML/CFT requirements.

Institutional Adoption: Clear regulations for traditional banks, large brokerage firms, and publicly listed companies have removed barriers for them to enter the stablecoin market. Major financial institutions, including JPMorgan, PayPal, and Stripe, are expected to enter the market, driving market expansion. On June 11, the CEO of Bank of America announced plans to issue its own stablecoin.

Global Adoption: There is a strong momentum for stablecoin adoption, especially in high-inflation countries. The trading volume of stablecoins in Argentina accounts for 61.8%, while Turkey uses 3.7% of its annual GDP for stablecoin purchases, becoming the highest adoption rate globally. A revolution in cross-border payments is taking place: the average cost of traditional remittances is 8.3% for a $200 transfer, while the cost of stablecoin transfers is less than 0.1%, saving 98%.

The current market capitalization of stablecoins has reached 254 billion USD, with an annual trading volume exceeding 32 trillion USD, accounting for 7.68% of the total trading volume of Visa and Mastercard. Standard Chartered's forecast is even more aggressive: the market size is expected to reach 2 trillion USD in the next 3 years, indicating nearly 10 times the growth potential.

The IPO performance of Circle has confirmed the market's optimistic sentiment. Listed on the NYSE in June 2025 with an issuance price of 31 USD, it surged 168% on the first day to open at 69 USD. Without any significant good news to stimulate it, Circle's stock price skyrocketed, increasing nearly 10 times within a month, with a market value approaching 67 billion USD. Even with a slight pullback to around 180 USD now, it still remains at a high level. In contrast, Visa and Mastercard currently have market values of approximately 680 billion USD and 516 billion USD, respectively, leaving Circle with 30 times the potential for growth.

And this time, in the stablecoin race, Owlto Finance once again becomes the "shovel seller."

Owlto x USD1: Why is this the strongest narrative in the trillion-dollar track?

USD1, as a stablecoin project launched by World Liberty Financial supported by the Trump family, lets us look at the unique competitive advantages of USD1 from the following 5 aspects:

Unprecedented growth rate: USD1 grew from zero to a market value of 2 billion USD in just 2 months, becoming the 7th largest stablecoin in the world. This growth rate is unparalleled in the history of stablecoins. USD1 has now surpassed PayPal's PYUSD, FDUSD, and Ethena USDTB, and is just one step away from the 4th place DAI (5.3 billion USD). In comparison:

• USDC took 3 years to reach a similar scale
• PYUSD took more than a year to reach a market value of 1 billion USD.

Absolute political advantage: Presidential-level political support, 75% ownership by the Trump family, the only stablecoin backed by the family of the sitting U.S. president, enjoying unprecedented political value and protection.

Top institutions in-depth cooperation:

• The Abu Dhabi MGX Sovereign Fund has chosen USD1 as the official stablecoin to complete a $2 billion investment in Binance, making it the largest single institutional investment in cryptocurrency history, marking the recognition and trust of national sovereign funds in USD1.
• In deep collaboration with Binance, we have received tremendous support from Binance, which also provides unparalleled liquidity support for USD1.
• Secured a strategic investment of $25 million from top-tier market maker DWF Labs along with free market-making services to ensure ample liquidity. DWF stated, "USD1 aligns with our mission to support the next generation of financial infrastructure."

Genius Act's natural compliance and regulatory advantages after approval: BitGo Trust Company provides custody services, while the minting of USD1 is 100% backed by U.S. Treasury bonds, cash, and equivalents, with reserve proof services provided by Chainlink for real-time on-chain verification, transparency surpassing all competitors.

Zero-fee strategic advantage: USD1 is the only major stablecoin in the market that offers completely free minting/redeeming, making it highly attractive to institutional clients, directly reducing operational costs, and is a direct challenge to industry leaders like USDT and USDC, expected to attract hundreds of billions of dollars in corporate funds.

Despite this, USD1 also faces challenges:

According to the latest report from Kaiko Analytics, over 50% of the liquidity for USD1 is concentrated in just 3 addresses. More seriously, the daily trading volume of 14 million USD on PancakeSwap mainly comes from market-making addresses rather than organic demand. This extremely concentrated liquidity distribution creates an artificial market rather than an ecosystem driven by organic demand.

70% of WLFI Token purchases come from addresses with over $100,000, and 50% from purchases over $1 million, showing extremely low retail participation. In contrast, USDT and USDC have developed a relatively decentralized holder structure over the years, with a real retail and institutional user base globally. Meanwhile, over 98% of USD1's supply is concentrated on the BNB chain, posing a single point of failure risk, while USDT/USDC has achieved multi-chain distribution and deep DeFi integration.

Owlto Finance will clear the obstacles for USD1, realizing a trillion-dollar market opportunity

In simple terms, Owlto Finance is a leader in cross-chain interoperability protocols, with an active ecosystem of users and strong technical capabilities in the field of cross-chain infrastructure. It employs AI-driven routing technology to optimize speed, cost, and security, addressing the complex, expensive, and high-risk issues caused by the fragmentation of cross-chain liquidity.

The following are the 5 major advantages of Owlto:

Product Advantages: Currently, the Owlto cross-chain bridge supports asset bridging for over 70 blockchains and cryptocurrency trading on over 20 blockchains. It facilitates asset liquidity across ecosystems including Ethereum, Bitcoin, and Solana, expanding the application scenarios of assets on different networks and increasing the potential for user profits. In comparison, the already launched star cross-chain bridges Across and Wormhole currently connect only 20 and 30 networks, respectively.

In addition, Owlto has deep insights into the on-chain market and web3 users. Besides cross-chain trading, it has also launched many practical tools, such as daily check-in functions across different networks and the ability to deploy smart contracts, which have received widespread acclaim in the community. In terms of data, the daily check-ins reach as high as 10 million times, and the contract deployment volume is nearly 30 million times.

A large and active community of users: Since the launch of the Owlto mainnet two years ago, its paying users are spread across more than 200 different countries and regions worldwide, exceeding 2 million, while the number of transfers through Owlto has surpassed 13 million. As a market-leading cross-chain bridge, its daily cross-chain transactions have reached a market share of 33%. Owlto's user base has genuine cross-chain needs and active trading behavior, which also provides a relatively scarce retail base for USD1.

Owlto Speed: The cross-chain trading service speed provided by Owlto is among the top tier in the market. Moreover, it's not just the cross-chain speed that is fast: "90% of cross-chain transfers are completed within 30 seconds." Owlto also has a very quick integration speed for new chains. Owlto often deploys in advance, being able to support the trading of new chains as soon as the mainnet goes live, with cross-chain trading support completed in as little as half an hour, providing users with the fastest way to obtain Alpha. On chains like Base, Unichian, Eclipse, and more than ten others, Owlto is the first cross-chain bridge to connect. In contrast to established cross-chain protocols like LayerZero and Wormhole, which can take weeks or even months to integrate a new chain, Owlto has a significant advantage in market sensitivity and agility.

Powerful ecosystem partner network: Owlto has established partnerships with over 100 well-known projects within the Web3 ecosystem, especially with public chains that have the closest business relationships. Owlto has received public support from public chains such as Solana, Arbitrum, Morph, and Linea. It has also conducted cross-chain airdrop activities with Binance Wallet and OKX Wallet, generating a lot of buzz within the community.

Funding: After going through two rounds of formal financing, Owlto completed its last round of financing with a valuation of 150 million USD, supported by internationally renowned investment institutions such as CEIC, Bixin Ventures, MatrixPort, SNZ, and Presto Labs. Compared to LayerZero, which has a current FDV of 2 billion USD, and Wormhole, with an FDV of 700 million USD, the valuation of Owlto's last round of financing is considered by the market to have greater growth potential.

First-Mover Advantage in the Stablecoin Market: As early as the beginning of 2024, Owlto Finance became one of the first protocols to support Circle stablecoin cross-chain, thanks to its keen market insight and exceptional strategic vision. It is also an official partner of Circle CCTP. For large-scale cross-chain fund demands, Owlto collaborates with Circle to complete transactions, providing users with institutional-level security guarantees, achieving a perfect balance between efficiency and security.

Owlto is dedicated to connecting Web2 and Web3, lowering the barriers for all users to access DeFi services. "All Roads Lead to Rome, Owl Roads Lead to Alpha," Owlto achieves cross-chain interoperability of stablecoins through the innovative integration of USD1 stablecoin, maximizing returns for DeFi users. At the same time, Owlto will bring a large and genuinely active user base to USD1, truly empowering USD1 and making it a stablecoin with real value.

Three Major Strategic Layouts: Owlto will connect the cross-chain ecosystem for USD1, becoming the on-chain stablecoin leader.

( Integrated USD1 Basic Cross-Chain

Owlto integrates USD1 into the cross-chain protocol network assets of Owlto Finance, enabling the circulation of USD1 across multiple networks such as Ethereum, BSC, and Tron.

At that time, Owlto Finance will bring a large number of retail users for USD1 with over 2 million global paying users, addressing the core issue of low retail participation for USD1; through Owlto, USD1 will achieve true full-chain circulation, breaking the current risk of single points of failure with over 98% of the supply concentrated on the BNB chain; and Owlto's intention to centralize AI agent technology can analyze historical and real-time data to predict liquidity changes, making cross-chain transfers of USD1 not only fast but also minimizing costs, providing smarter cross-chain solutions and a better user experience.

Owlto transforms USD1 from a highly centralized institutional asset into a stablecoin with real cross-chain utility by integrating USD1 cross-chain, bringing in a large number of retail users and liquidity across the entire chain.

) Innovative USD1 Staking Yield Mechanism

Owlto's innovative stablecoin cross-chain solution allows USD1 holders to stake on any network and withdraw from any network, while earning additional rewards from cross-chain transaction fees and other integrated DeFi protocols such as Lista DAO and AAVE.

Such returns are very attractive and sustainable. One source is the cross-chain bridge business of Owlto Finance, which charges a fee for each transaction, allowing USD1 stakers to directly enhance their staking yield through the profit-sharing mechanism; the second source is that the USD1 staked in Owlto will be integrated into other DeFi protocols, such as Lista DAO and AAVE, to generate more substantial returns for users. Combining the political security endorsement from the Trump family for USD1 and the secure technical architecture of Owlto Finance, users can achieve high returns with low risks.

This innovative staking mechanism will significantly enhance the utility and long-term holding appeal of USD1, creating an ecosystem driven by organic demand and generating sustainable organic demand for USD1.

( strategically uses USD1 as a stablecoin cross-chain interoperability intermediary.

Owlto positions USD1 as the relay standard Token for cross-chain transactions, providing special utility and value to USD1, especially amidst the wave of stablecoin issuance following the passage of the Genius ACT.

After the Genius bill is passed, banks, brokerages, and companies will issue a large number of their own stablecoins. We expect to see a surge in the issuance of stablecoins, with different stablecoins having various application ecosystems across different chains, corresponding to different yields. Based on this, there will be a huge and necessary demand for cross-chain asset transfers. Owlto will use USD1 as the relay standard token for cross-chain interoperability, utilizing the infrastructure that has already been deployed across multiple chains to implement USD1 as the standard stablecoin for cross-chain relays, helping these institutions transfer different assets across chains. This will significantly increase the use cases and utility of USD1, positioning USD1 as the first stablecoin with comprehensive cross-chain infrastructure, competing for market share and position against industry leaders such as USDT & USDC in the ever-growing $2 trillion stablecoin market.

Finally

In the upcoming wave of stablecoin issuance, USD1 is expected to become a core hub between Web2 and Web3, occupying an important position in the trillion-dollar stablecoin market.

Through Owlto's cross-chain capabilities, large user base, and innovative yield mechanisms, the collaboration of Owlto Finance x USD1 will bring active users to USD1, increase DeFi use cases, and provide solutions for the real utility of tokens, while also creating a sustainable source of demand and growth momentum for it. Undoubtedly, it will become one of the strongest narratives in the trillion-dollar stablecoin arena.