the scene that on August 26th, at the WeX2025 event held in Japan, Mitsuru Kayahana, the head of SWIFT's East Asia region, pointed out that stablecoins, as a form of digital currency, will not significantly change the existing financial system. Its core value lies in serving specific customer groups and scenarios. As long as banks continue to act as intermediaries and service providers, traditional cross-border payment processes (such as SWIFT's messaging system, agent bank model) will coexist with new payment tools such as stablecoins for a long time.