What’s the most annoying thing about transferring stablecoins on traditional public chains? High fees, slow confirmations, and ultimately a frustrating experience. There’s a project directly addressing this pain point — reconstructing the usage logic of stablecoins through a dedicated Layer1 architecture.

Zero-fee cross-chain transfers are already impressive, combined with sub-second confirmations, truly bringing stablecoins back to their core purpose of payments. But its potential doesn’t stop there. The accompanying digital banking products offer a 10% annualized savings rate and 4% cashback on spending, seamlessly integrating daily payments and wealth management — your idle funds are no longer just sitting around wasting.

At the ecosystem level, rapid formation is underway. Leading DeFi projects have already accumulated $6 billion in TVL on this chain, and the upcoming launch of the pBTC cross-chain bridge means Bitcoin’s $900 billion market cap ecosystem is officially accelerating its integration. As an ecosystem rights token, XPL can be staked to become a validator node earning rewards, and also unlock enterprise-level block space and governance voting rights.

From another perspective, this combination — payment convenience, wealth management returns, and ecosystem prosperity — is forming a self-reinforcing closed loop. The story of stablecoins seems set to be rewritten.