How stable is Stablecoin?

稳定币有多稳定?

The Indicator from Planet Money

商务

2025-04-30

9 分钟
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Stablecoins are the latest digital asset to grab headlines. Congress is considering legislation around the cryptocurrency, and a Trump family-affiliated company is preparing to launch its own Stablecoin. But does this digital currency live up to its own name? Related episodes:What's this about a crypto reserve? (Apple / Spotify) Is 'government crypto' a good idea? (Apple / Spotify) WTF is a Bitcoin ETF? (Apple / Spotify) For sponsor-free episodes of The Indicator from Planet Money, subscribe to Planet Money+ via Apple Podcasts or at plus.npr.org. Fact-checking by Sierra Juarez. Music by Drop Electric. Find us: TikTok, Instagram, Facebook, Newsletter. Learn more about sponsor message choices: podcastchoices.com/adchoices NPR Privacy Policy
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  • NPR. This is The Indicator from Planet Money.

  • I'm Paddy Hirsch.

  • And I'm Waylon Wong.

  • In an unusual show of bipartisanship,

  • the House Financial Services Committee this month passed the Stablecoin Transparency and Accountability for a Better Ledger Economy,

  • or STABLE Act.

  • A similar bill also cleared a Senate banking committee in March.

  • The legislation now goes up for debate, and quite a debate it's likely to be,

  • given the announcement in March by a White House-connected company called World Liberty Financial that it plans to launch a stablecoin called USD1.

  • The news has attracted the attention of lawmakers concerned about a conflict of interest for President Trump.

  • A company affiliated with Trump and his family members own about a 60% stake in the business.

  • And Trump has been very chatty about championing the mainstream use of crypto in the U.S.

  • But what exactly is this stablecoin thing?

  • On today's show, we'll explain how stablecoins work and how they make money and for whom.

  • If you've ever been to a casino, or even if you've only ever seen a casino on TV,

  • you already know the basics of how a stablecoin works.

  • This is because if you go to a casino, right, you go to the cashier first.

  • You give her $100 and she gives you a bunch of chips.

  • In this case, $100 single dollar chips.

  • And you go into the casino and you play roulette and craps and whatever.