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Stablecoin as a Financial Instrument and Stablecoin as a Payment Instrument: Implications for Regulation, Innovation, and Market Stability

Year: 2025

Type: article

Abstract: This paper explores the dual roles of stablecoins—as payment instruments emphasizing fast, low-cost transactions, and as financial instruments valued for generating returns and enabling investment within DeFi. It highlights the policy implications of these distinctions, cautioning that ignoring this divide could result in regulations that either suppress innovation in payments or inadequately address systemic financial risks.

Source: Zenodo (CERN European Organization for Nuclear Research)

DOI: 10.5281/zenodo.17167693

Author: Emomotimi, Agama

Institutions: Independent National Electoral Commission, Nigerian Nuclear Regulatory Authority, Energy Commission of Nigeria

Language: English

Topic: Blockchain Technology Applications and Security

Subfield: Information Systems

Field: Computer Science

Domain: Physical Sciences

Open Access status: green

OpenAlex ID: W7082355055

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