Imagine a hypothetical scenario: by the end of 2025, facing anti-money laundering and tax regulation pressures, some mainstream travel destinations (Thailand, Indonesia, Portugal, etc.) collectively tighten or even cancel digital nomad visas, while requiring local banks to strictly scrutinize foreign account openings. What would this shift bring?

Millions of globally mobile freelancers suddenly find themselves in trouble—earning in USD but unable to spend locally, with cash carrying restrictions, and international remittances beginning to be frozen. This is the "financial refugee" dilemma in an era of reclosed physical borders.

There is a fundamental contradiction here: these workers are physically mobile worldwide, but traditional fiat currency accounts are fixed. Using fiat accounts across borders faces triple challenges: high fees, exchange rate losses, and risk of account freezes by risk control systems.

Stablecoins open up another path. Their core advantages lie in two aspects:

**First, true borderless accounts.** A stablecoin wallet on a certain DEX platform (with private key control) does not belong to any country. You don’t need to provide proof of address to own it. Whether at a café in Bali or a guesthouse in Lisbon, as long as there is internet, the account is fully accessible. This is completely different from traditional bank accounts.

**Second, balancing liquidity and yield.** The funds of digital nomads are essentially living expenses, requiring high liquidity. Under traditional schemes, they can only be stored in savings accounts, which means zero interest. But in certain DeFi ecosystems, through automated configuration tools, idle balances can generate actual yields, maintaining liquidity while not letting the money sit idle.

This is not just simple product innovation but a restructuring of the financial model. When borders become restrictions again, the "stateless" nature of digital assets becomes a true competitive advantage.