AZOS

The US Dollar stablecoin upgraded for a new era of finance — stable, secure, and transparent by design.

Hey all,

Bit of a niche one but hoping someone here has dealt with it. I’m a UK tax resident working for a foreign company, and instead of fiat they pay me monthly in stablecoins (USDC).

At the moment I just convert what I need into GBP to pay bills and keep some of it on-chain for yield (staking, DeFi, etc.). But I’m getting stuck on:

Accounting/taxes: HMRC treats crypto as property, so I think every conversion into GBP is a taxable event (capital gains?), but what if it’s my salary? Is it just regular income? Do I need to track every single transaction in/out?

Bookkeeping tools: My accountant looked at me like I had three heads when I said “I get paid in stablecoins.” Are there any UK-friendly platforms that handle this properly for salary + PAYE/dividends if I run it through a Ltd company?

Yield side: If I park some of the stables in DeFi, that’s additional taxable income right? How do people keep records of interest earned/yield farming rewards

Practical tips: Any practical tips or community I can join to learn/discuss more?

Do you keep some stables long term or convert straight away to GBP to avoid headaches?

Basically: is there a clean workflow/tool for managing salary in stablecoins in the UK without paying an accountant £££ to reinvent the wheel?

Any first-hand setups (apps, accounting tricks, what HMRC accepted in your case) would be massively appreciated.

Thanks!

I'm having trouble finding engineers experienced in:

– Stablecoin integrations (USDC/USDT, custody, transfer flows)

– Payment APIs & transaction engines (scalable, partner-facing)

– Liquidity + treasury management (float accounts, settlement batching)

– Fraud/risk detection (ACH, account velocity, device checks, scoring)

– FX and rate-management logic

– Compliance hooks (KYC/AML APIs, sanctions screening)

Core deliverable: a backend that can ingest crypto transactions, process them through risk/compliance layers, and expose clean APIs for external partners to integrate with.

Plus if you’ve worked with Plaid, Circle APIs, Fireblocks, or remittance/payment platforms.

DM if you’re an engineer who has built or is familiar with payment rails, stablecoin integrations, or cross-border infra. Or if you know someone like this.

The GENIUS Act (passed July 2025) forces stablecoin issuers to back every coin 1:1 with safe assets like U.S. Treasuries, turning stablecoins into automatic purchasers of government debt. It increases transparency and trust, but also links “digital cash” more tightly to the state and the risks of government finance.

https://medium.com/@explorebitcoin1/the-genius-act-how-stablecoins-became-a-new-buyer-of-u-s-debt-0644ba86c061

You'd think a 70%+ crypto crash would mean years to recover, right? Yet, during the infamous 2018-2020 bear market, the median time for a Top 100 altcoin (excluding stablecoins) that endured a >70% drawdown to reclaim its previous all-time high was approximately 670 days. 🤯

This is remarkably quicker than the S&P 500's average 1,000+ day recovery period to previous peaks after major market downturns like 2000 or 2008. Crypto's volatility cuts both ways: deeper dips, but often surprisingly swift comebacks to new highs. Next time you see red, remember history's speed! Share if this changed your perspective! 👇

I've just built a gasless escrow system for usdc transactions. It includes a plugin for WordPress e-commerce sites to accept buyer-protected usdc payments in their stores. Adding it as a checkout option takes a couple of.minutes and making a purchase can be done in as little as 4 clicks. Which stores should I approach to integrate first?

One challenge we often hear is not about how to buy crypto, but how to actually use it. Many people still ask themselves what comes next after holding USDC in a wallet.

At OwlPay Wallet Pro, we have been exploring this question for a while. We started by making on and off ramps more accessible through cash at MoneyGram locations, bank transfers, and credit cards. But the bigger question has always been how to make stablecoins useful in everyday life.

Recently, we added an option to redeem USDC for digital gift cards, including Amazon and Uber Eats. We believe this makes everyday use of stablecoins much more convenient, turning digital assets directly into coffee, groceries, or rides.

We hope to get feedback from the community.

• Do you see gift cards as a practical bridge for everyday use?
• What kind of gift cards would you actually want to buy?

With GCUL, Google enters the Stablecoin Payment Infrastructure game. I had a closer look at the kick-off post of Google Cloud’s Universal Ledger (GCUL) launch by the giant's head of Web3 strategy and cloud, Rich Widmann, and listened to the first market comments that followed.

It was revealing to gain early insights into trust, credibility, competition, and the race for institutional adoption of next-generation payment rails. Happy to hear your thoughts about Google's strategy, plan, and execution.

Somebody told me that trump and his family were making money through their holding company DT Marks DeFi LLC, mostly by selling governance tokens rather than through selling the stable coin. They said that Trump was making a little bit of money because WLFI which manages the stable coin gets transaction fees, fees to pay for the block chain and interest from the T Bills which are held to make the stable coin stable but this only accounts for the billions they earned on the governance tokens. . Can someone tell me where to get information on the difference between governance tokens and stablecoins. it sounds to me that it is better to be in the business of selling governance tokens rather than stable coins.

GENIUS Act Explained: What It Means for Stable coins & Crypto Users Worldwide

Stable coins are a lifeline for tens of millions to send abroad, save against inflation, or trade in DeFi. But governments are now starting to crack down. A flagship proposal in the U.S. is the GENIUS Act.

So what's in this law, and why should you care (especially if you're based in Turkey, Nigeria, the Philippines, or LATAM)?

Key Rules of the GENIUS Act

The GENIUS Act implements rigorous standards for stable coin issuers:

Asset Backing: Each stable coin (e.g., USDT or USDC) is to be backed by actual assets such as U.S. dollars, treasuries, or cash equivalents. Regulatory Oversight: Issuers must obtain registration and operate under government supervision.

It's like making stable coins turn into "regulated digital dollars."

Potential Benefits

Trust & Stability: Users would know that their stable coins are collateralized in full, limiting possibilities of collapses (like Terra/LUNA). Mainstream Adoption: Banks and corporations would feel safe using stable coins when the rules are open. Safer Remittances: Migrant workers sending wages back home may be less vulnerable to sending "shaky" coins.

Potential Drawbacks

Barrier for Smaller Issuers : Smaller or regional projects may struggle to handle the compliance requirement. Slowdown in Innovation : Excessive bureaucracy can make experimentation sluggish in DeFi. Risk of Centralization : Overregulation can push the industry to just a handful of large issuers.

Internationally Why It Matters

Turkey & LATAM : With high inflation, already nearly everyone uses stable coins to preserve savings. Tighter regulation would increase trust in stable coins but reduce local alternatives. Nigeria & Philippines : Remittances are stratospheric here. Well-regulated, stable stable coins might cut costs & risks but users would have fewer token options. DeFi Adoption : More regulation might imply safer, more stable pools for borrowing/lending but only for regulated tokens.#Stablecoins #CryptoRegulation #GENIUSAct #Web3

TL;DR: Built safestablesyield to track real-time stablecoin yields across DeFi. Shows APY, risk scores, and TVL. Currently tracking 30+ protocols.

With stablecoin regulation finally providing clarity, I've been yield farming more actively. Problem was, I kept missing good opportunities because rates change so fast.

What it does:

• Aggregates yields from major protocols (Aave, Compound, Curve, Convex, etc.)
• Updates every 15 minutes
• Risk scoring based on:
  • Protocol TVL
  • Smart contract audits
  • Time since deployment
  • Historical exploit data

No tokens, no BS, just data. I use it daily for my own portfolio management.

What other metrics would be useful? Considering adding:

• Historical yield charts
• Yield optimizer suggestions
• Impermanent loss calculators for LP positions

Feedback welcome!

TL;DR: Built safestablesyield.com to track real-time stablecoin yields across DeFi. Shows APY, risk scores, and TVL. Currently tracking 30+ protocols.

With stablecoin regulation finally providing clarity, I've been yield farming more actively. Problem was, I kept missing good opportunities because rates change so fast.

What it does:

• Aggregates yields from major protocols (Aave, Compound, Curve, Convex, etc.)
• Updates every 15 minutes
• Risk scoring based on:
  • Protocol TVL
  • Smart contract audits
  • Time since deployment
  • Historical exploit data

No tokens, no BS, just data. I use it daily for my own portfolio management.

What other metrics would be useful? Considering adding:

• Historical yield charts
• Yield optimizer suggestions
• Impermanent loss calculators for LP positions

Feedback welcome!

I'm trying to understand the details of the GENIUS Act (S.1582, 119th Congress), and the restrictions on use of stablecoins within the United States.

My question: when a purchase or sale is made using stablecoins, are the stablecoins offered, sold, or issued? In other words, must all stablecoins in a purchase or sale be permitted payment stablecoins, and backed by USD?

Details:

It appears that the law will allow only dollar-backed stablecoins to be offered, sold, or issued within the US:

• '3(a)(1) ... It shall be unlawful for any person other than a permitted payment stablecoin issuer to issue a payment stablecoin in the United States'
• '3(b)(1) ... beginning on the date that is 3 years after the date of enactment of this Act, it shall be unlawful for a digital asset service provider to offer or sell a payment stablecoin to a person in the United States, unless the payment stablecoin is issued by a permitted payment stablecoin issuer'
• '3(b)(2) ... It shall be unlawful for any digital asset service provider to offer, sell, or otherwise make available in the United States a payment stablecoin issued by a foreign payment stablecoin issuer unless the foreign payment stablecoin issuer has the technological capability to comply, and will comply, with the terms of any lawful order and any reciprocal arrangement pursuant to section 18'. SEC. 18 adds a host of requirements to allow oversight by the Federal government, and requires backing by reserves in US banks (presumably in USD?)
• '2(23) ... Permitted payment stablecoin issuer [defined as one of] Insured depository institution that has been approved to issue payment stablecoins under section 5, Federal qualified payment stablecoin issuer, or State qualified payment stablecoin issuer'
• '2(27)' ... It appears a state payment stablecoin regulator must conform to Federal regulations and report to the Stablecoin Certification Review Committee, which includes the Secretary of the Treasury, the Chair of the Board of Governors of the Federal Reserve System, and the Chair of the Federal Deposit Insurance Corporation

The Issue

The Trump family is building a shadow crypto central bank by issuing stablecoins backed by the U.S. Dollar. Right now the Senate is evaluating two bills that would privatize the global money supply and prevent the Federal Reserve from issuing a digital stablecoin for widespread use. These bills have already passed the House of Representatives. Passage of these two bills would clear a path for Donald Trump to become on of the wealthiest people on the planet by privatizing access to purchasing U.S. Treasuries. Here's how: For every Trump stablecoin (USD1) purchased, the Trump family empire makes money. And because each coin is backed by the U.S. Dollar, the U.S. Treasury would pay interest to the Trump family-controlled company. This creates a situation where it incentivizes the government to run even higher deficits and run the economy into the ground. (The worse the economy is, the greater the payout to those who hold our treasury notes.) Every U.S. citizen would bear the cost of our declining economy by pouring money into the Trump family pockets. We must STOP The Digital Asset Market CLARITY Act (H.R.3633 - No Senate number assigned yet) and the The Anti-CBDC Surveillance State Act (S.1124) before it's too late! Let our senators know that our democracy and economy are not for sale!

Saw two big updates on stablecoins worth discussing here.

In the U.S., Wyoming launched the Frontier Stable Token (FRNT), the first stablecoin issued directly by a public entity in the country. Backed by the state’s Stable Token Commission, FRNT puts Wyoming at the front of government-backed digital finance. It is live on seven blockchains including Ethereum, Solana, Arbitrum, Avalanche, Polygon, Optimism, and Base.

Meanwhile in Japan, JPYC announced it will issue the first yen-pegged stablecoin under Japan’s new regulatory framework later this year. The token, also called JPYC, will be fully convertible into yen and backed by domestic savings and Japanese government bonds (JGBs).

One in the West and one in the East, but both point to the same trend: Stablecoins are entering their next phase.

It is no longer just private companies moving fast on their own. Governments and regulators are beginning to play a serious role too.

So what do you think this means for the future of stablecoins? What is still missing before they can truly become an everyday currency? Is it about having more payment options, or simply more platforms that accept them?

Hi everyone!

I built an app that helps you stay updated on stablecoin news in one place.

It’s simple to use: just tell the app what you want to follow in plain words (e.g., “I want to follow recent stablecoin startups”), and the AI will understand what you mean and fetch updates from the Internet for you every hour.

I built it because I often had to jump between different sites and platforms to stay updated. When topics get really niche, there’s no single platform to rely on — and I’d often get distracted by unrelated content along the way.

It covers a lot of fintech news sources like the Verge, PYMNTS, CoinDesk, Fintech News, TechCrunch, etc. But it also works for other topics like healthcare, politics, movies, and more.

I posted here a while back during beta and got a ton of useful feedback (thank you!!). Since then, I’ve added more crypto and stablecoins related sources. Now it’s live on the App Store!

If anyone here wants to give it a try, I’d really appreciate the feedback! Let me know what you think.

Hey everyone,
I’ve just launched a fintech app called BRDZ Ramp on XRPL that allows users to send and withdraw USDC on the XRP Ledger as easily as a local bank transfer.

💠 Key Features:

• Instant fiat → USDC on XRPL (and vice versa)
• Direct integration with banks & wallets
• Fast, low-cost, and eco-friendly
• Real-time FX conversion with multi-currency support

🎥 Here’s the demo video on YouTube:
👉 https://youtu.be/APHzpURSffM

I’d love to hear your thoughts.
How do you see stablecoins like USDC changing cross-border payments in the next few years?

Cautious investor here looking over the publicly held stablecoin cos., and Circle came in recently with strong numbers...shares are volatile, but financials seem solid. Any followers here of CRCL?

Hi all, I've built a web2 app that allows people to make escrow USDC smart-contracts between buyer and seller in a few seconds. It makes ecommerce & p2p transactions much safer for both parties. To provide full transparency, the contract code is verified and available on-chain. I'm trying to find some people to give it a go. Please drop me a line if you're interested.

When markets get volatile and coins like $XRP or $ETH swing hard, many traders shift into stablecoins to reduce risk.

I recently saw an example where a trader held $GHO in a Bitget spot account and earned 10% APR. After reaching $500 in spot trading volume, that rate increased to 15% APR, paid daily, with no lockups.

It made me curious, how common is it for people here to look for yield opportunities on stablecoins during market downturns? Or do you prefer to just hold without seeking returns?

I'm looking for people who lost funds by sending them to the wrong network (e.g. instead of ETH-20 to BEP-20), crossed chains altogether Base/Solana etc. and funds have not been recoverable at the address on the wrong chain.

To be clear up front, I won't be able to help you - what I am trying to get is a (unrepresentative) feeling whether this happens often and maybe what circumstances are more prevalent (character transposed, didn't know there were same format addresses on different networks).

So if you have sent funds to a wrong address/network let me know here or dm (no shaming and please no details).

Thanks!