Stablecoin payments have evolved from niche demand to a market necessity, and this shift became particularly evident in early 2026. The emergence of dedicated L1 chains has changed the game, enabling builders to organize liquidity and trading experiences in entirely new ways.

The most straightforward example is Fluid Protocol, which caused a stir within the ecosystem in less than four months since its launch. Its innovation lies in its liquidity-guided architecture—institutional investors can rapidly accumulate trading depth at very low costs, directly addressing the core pain points of scaling payment applications and fintech platforms. Coupled with batch auction mechanisms integrated into DEXs, MEV protection, and zero-gas-fee transactions, high-frequency operations have become routine, and users no longer worry about frontend performance or gas volatility.

So why is this particular L1 chain especially suitable for the payments sector? The key lies in its native stablecoin design philosophy. Sub-second finality ensures instant transaction settlement, and gasless USDT transfers significantly lower the psychological barrier for retail users. The mechanism of paying gas with stablecoins completely eliminates the risks associated with price volatility. Bitcoin-backed security as the underlying guarantee endows the network with neutrality and censorship resistance—an essential feature for payment companies serving high-risk regions worldwide.

Ecosystem data speaks volumes. A single stablecoin liquidity pool reaches a depth of around $200 million, and the on-chain lending market ranks among the top globally. Native support for USDT on platforms like WhiteBit and LocalPayAsia continues to expand. This is not just a paper promise; real liquidity is backing this new financial primitive.

From a developer’s perspective, this chain is a frictionless testing ground. EVM compatibility means seamless contract migration, and dedicated features directly empower stablecoin products. Instant card issuance, cross-border settlement gateways, enterprise-level fund management—each application type can find its foundational infrastructure here.

If you’re considering launching a payment-related project, now is the time to dive deep into this chain’s ecosystem. Collaborate with top protocols like Fluid and CoWSwap to redefine the rules of global capital flow.