Original source from Aptos Labs, authorized publication by Movemaker.

TL;DR:Aptos is rapidly becoming the fastest and most scalable infrastructure for global on-chain payments, driving large-scale stablecoin payment adoption in real-world scenarios

Over $190 trillion in funds circulate across borders annually, but the underlying financial infrastructure was born before the internet era. It's not hard to imagine that these traditional systems are slow, costly, and constrained by outdated networks and complex intermediaries. It's as inefficient as watching high-definition videos via dial-up internet. In a world where content, communication, and computing can be instantly transmitted without borders, cross-border remittances still take days to arrive. Although the scale is massive (the value involved in global financial markets far exceeds $2.7 trillion), its foundation is overwhelmed and on the verge of collapse.

But this situation is about to change.

Stablecoins: A Better Monetary Payment Paradigm

Stablecoins are digital assets pegged to fiat currencies that have rapidly developed into financial instruments in the real world. Today, the total market capitalization of stablecoins has reached $250 billion, accounting for approximately 60% of all on-chain transactions. In 2024, the total on-chain stablecoin transaction volume is approximately $24 trillion, of which about $7.6 trillion is used for payments.

Stablecoins possess characteristics such as programmability, composability, and constant online availability, enabling money to flow quickly, securely, and flexibly across networks. However, to truly unleash their potential,stablecoins need a modern blockchain that matches their design philosophy: high throughput, low transaction fees, and optimized for real-world application scenarios.

Aptos: A Blockchain Born for Payments

The Aptos network is known for its high performance and ultra-low latency, making it the ideal infrastructure for a new era of on-chain payments. The Aptos network can complete transaction confirmation in less than 1 second, with future scalability of tens of thousands of transactions per second. Transaction fees are almost negligible, averaging only $0.00055, making micropayments not just a concept, but truly feasible.

Aptos's smart contracts make funds "programmable," allowing developers to integrate stablecoins into applications, automate workflows, and even efficiently collaborate with other on-chain services. In short, Aptos is a blockchain built for "internet-scale fund movement".

This vision is already taking shape: Aptos is one of the few blockchains that natively support three major US dollar stablecoins.Just months after launch, the circulation of stablecoins on Aptos has exceeded $1.3 billion, with current monthly stablecoin transaction volumes over $30 billion. These numbers are comparable to the most active blockchains in the cryptocurrency domain and continue to grow rapidly.

Real-World Payment Scenarios Are Already Happening on Aptos

As more developers and enterprises choose Aptos to build applications, real-world payment use cases are continuously emerging—thanks to Aptos's speed, scale, and programmability:

• Cross-Border Transfers:Cross-border remittances can be completed in seconds, without intermediaries or delays

• Global Payroll:Instant arrival, extremely low cost

• Merchant Payments:Eliminate 3% credit card fees, no waiting period

• Financial Institutions:Can complete millions of payments on-chain in one go and settle within seconds (instead of days)

• Content and Creator Economy:Support millisecond-level micropayments, suitable for content, gaming, and IoT scenarios

Unlike traditional financial channels, Aptos has characteristics such as borderless, always-on, and programmable, providing developers and institutions with a brand new financial innovation foundation.

A New Chapter in Finance

This is not just a breakthrough in blockchain technology, but also heralds a completely new upgrade in payment standards. The combination of stablecoins and high-performance blockchain like Aptos means that fund circulation will be as free and efficient as information transmission

Driven by the continuously innovating Aptos ecosystem, the network is gradually becominga critical cornerstone in on-chain payments with the highest performance, highest security, and most developer-friendlycapabilities. Developers, entrepreneurs, and financial institutions are building the future of payments using Aptos's capabilities.

A borderless, always-online financial network is no longer a distant future—it is happening on Aptos right now.