2025年以来，稳定币的市场规模节节攀升，比特币价格一度突破10万美元，去中心化金融业态不断丰富，全球加密货币市场步入了规范创新和快速发展期。更为重要的是，加密货币与金融体系展现出了全面融合发展的趋势，稳定币与支付体系的融合创新快速推广，银行机构积极拓展加密货币服务、资本市场与加密市场融合全方位推进。

Since 2025, the market capitalization of stablecoins has continued to rise, Bitcoin's price has briefly exceeded $100,000, and the landscape of decentralized finance (DeFi) has grown increasingly diverse, marking the global cryptocurrency market's entry into a period of standardized innovation and rapid development. More importantly, cryptocurrencies and financial systems have demonstrated a trend of comprehensive integration: innovative integration of stablecoins with payment systems has been rapidly promoted, banking institutions have actively expanded cryptocurrency-related services, and the integration of capital markets with cryptocurrency markets has advanced in all directions.