The crypto world is witnessing a gradual shift towards a new financial system built on stablecoins and decentralized finance (DeFi).
Transition to a New Financial System
Current trends in the crypto space are not the only changes happening. In February 2025, the total supply of stablecoins reached $225 billion, showing a 63% growth year-over-year. This underscores the expanding role of stablecoins as a medium of exchange and payment.
Moving from Trust to Technology
Historically, money relied on trust in people or institutions. Now, with smart contracts on decentralized blockchains, financial services can operate without intermediaries. This new system eliminates the need for human intervention, reducing opportunities for corruption and increasing transparency.
Challenges and Barriers of DeFi
Despite the revolutionary potential of Money2, there are barriers that must be addressed. Responsibility for transactions lies entirely with the user, and current web architecture is not optimized for secure financial operations. Moreover, for DeFi to function fully, real-world assets must be tokenized.
Decentralized finance and stablecoins are powerful tools for creating a new financial ecosystem, but further steps are needed to engage real assets and overcome existing barriers.
