#AI与加密融合 Seeing the trading volume of stablecoins surpass 46 trillion USD, my first reaction is not excitement, but deeper reflection.

This number is indeed astonishing—more than 20 times PayPal and close to 3 times Visa. But what’s more worth noting is the underlying logic: why are more and more people choosing stablecoins? Ultimately, it’s because they offer a sense of predictability and security. At the intersection of traditional finance and the crypto world, stablecoins are becoming a bridge.

However, I want to remind everyone that huge trading volume does not mean it’s suitable for everyone to participate. This trend points us in an important direction, but for individual investors, what’s truly needed is a more cautious self-assessment:

**Do you really need to include crypto assets in your asset allocation?** It’s not about blindly following the trend just because the scale is large. The popularity of stablecoins fundamentally reflects the market’s desire for certainty—this precisely reminds us to clearly understand our risk tolerance within our own investment framework.

The integration of AI and crypto is indeed a major trend, but participation in any emerging field should follow a principle: start with understanding, then test the waters with small allocations, and always leave room for adjustment. Market hype often makes people overlook the most basic risk management.

Moderate attention to these trends is fine, but staying clear-headed is even more important.