Aptos: Leading a New Era of Global On-Chain Payments

Behind the more than $190 trillion of cross-border funds circulating globally each year is an outdated financial infrastructure system. This system is inefficient and costly, heavily reliant on outdated networks and cumbersome intermediaries. In an era where information, communication, and computing power can almost instantaneously cross borders, cross-border remittances still take days to complete, making this backward situation particularly prominent. Despite the global financial market size exceeding $270 trillion, its infrastructure is precarious.

However, this situation is undergoing fundamental changes.

Stablecoins: Innovating Currency Payment Models

Stablecoins, as digital assets pegged to fiat currencies, are rapidly becoming an important financial tool in practical applications. Currently, the total market capitalization of stablecoins has reached $250 billion, accounting for about 60% of the total blockchain transaction volume. It is expected that by 2024, the total transaction volume of stablecoins on-chain will reach $24 trillion, with about $7.6 trillion used in the payment sector.

Stablecoins have characteristics of programmability, composability, and 24/7 operation, allowing funds to flow quickly, securely, and flexibly across networks. However, to fully realize their potential, stablecoins require a modern blockchain system that matches these needs: high throughput, low fees, and optimized for real-world application scenarios.

Aptos: A Blockchain Born for Payments

The Aptos network is renowned for its exceptional performance and ultra-low latency, making it an ideal infrastructure for the new era of on-chain payments. It can complete transaction confirmations in less than 1 second and is expected to scale to processing hundreds of thousands of transactions per second in the future. Transaction fees are negligible, averaging only $0.00055, making micropayments a reality.

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

This vision has already begun to take effect: Aptos is one of the few blockchains that natively supports the three major dollar stablecoins. Just a few months after its launch, the circulation scale of stablecoins on Aptos has exceeded $1.3 billion, with monthly stablecoin transaction volumes surpassing $30 billion. These figures are already comparable to the most active blockchains in the cryptocurrency space and are growing rapidly.

Practical Payment Applications on Aptos

As more and more developers and enterprises choose to build applications on Aptos, actual payment use cases are continuously emerging, thanks to Aptos's speed, scalability, and programmability:

• Cross-border transfers: can be completed in seconds, without intermediaries or waiting.
• Global salary distribution: instant arrival, extremely low cost
• Merchant collection: Avoid high credit card fees, no waiting period.
• Financial institutions: capable of processing millions of payments on-chain in a single instance and settling them within seconds.
• Content and Creator Economy: Supports millisecond-level micropayments, suitable for content, gaming, and IoT scenarios.

Unlike traditional financial channels, Aptos has characteristics such as being borderless, available 24/7, and programmable, providing a new financial innovation platform for developers and institutions.

Start a New Era in Finance

This is not only a significant breakthrough in blockchain technology, but also indicates a comprehensive upgrade of payment standards. The combination of stablecoins and high-performance blockchains like Aptos means that the circulation of funds will become as free and efficient as the transmission of information.

Driven by a constantly innovating ecosystem, the Aptos network is gradually becoming the most performant, secure, and developer-friendly infrastructure in the on-chain payment space. Developers, entrepreneurs, and financial institutions are leveraging Aptos's capabilities to collaboratively build the future of payments.

A borderless, 24/7 operating financial network is no longer a distant dream—it is becoming a reality on Aptos.