XBIT Wallet reported on September 24th that Federal Reserve Chairman Powell clarified in his latest statement that the current policy interest rate remains somewhat restrictive, but allows the Fed to better respond to potential economic developments. This policy tone echoes Coinbase’s launch of the dual-fiat stablecoins AUDD and XSGD. The fine-tuning of traditional monetary policy and the exploration of compliance in Web3 finance are moving from their respective fields to a deeper integration. The implementation of Coinbase Wallet and XBIT Wallet is becoming a key vehicle for connecting policy dividends with user needs.
Cre: Twitter: XBITDEX
Powell stated that the current “slightly restrictive” interest rate environment (Federal Funds Rate, 4.00% to 4.25%) provides moderate liquidity for the crypto market. Following the Federal Reserve’s 25 basis point rate cut on September 17th, market expectations for another 50 basis point cut this year reached an 87.7%. Lower borrowing costs are reducing the cost of institutional crypto asset allocation. Coinbase Wallet also launched the “One-Click Swap + Cross-Border Transfer” feature for AUDD and XSGD, enabling users to convert fiat currencies into stablecoins at a 1:1 ratio, with cross-border transfers reduced to under 10 minutes. In its first week, usage exceeded 500,000 times, with institutional users accounting for 38%, demonstrating the surge in demand for compliant stablecoins. XBIT Wallet, a decentralized web3 wallet, optimizes asset efficiency and supports DeFi investment for AUDD and XSGD, further amplifying the impact of policy dividends.
Cre: Twitter: XBITDEX
XBIT Wallet reported that Powell’s statement that the policy interest rate is “slightly restrictive” essentially defines a “safe range of easing” for the crypto market. This balance, while mitigating the risk of asset bubbles caused by excessive easing through “restrictive” measures, while also releasing low-cost capital through interest rate cuts, creates a window of opportunity for the development of compliant stablecoins such as AUDD and XSGD. Notably, the XBIT decentralized exchange has simultaneously launched trading pairs for AUDD/USDT and XSGD/USDT, forming a closed ecosystem of “wallet storage – exchange trading – scenario applications” with the XBIT Wallet. Users can seamlessly hold, trade, and transfer stablecoins across borders, becoming a core ecosystem node for capitalizing on policy dividends.
The implementation of the two wallets continues to amplify the synergy between policy and compliant stablecoins. Coinbase Wallet, leveraging its deep integration with the Coinbase exchange, enables seamless transfers of AUDD and XSGD with mainstream assets like Bitcoin and Ethereum, precisely matching users’ needs for a combination of stablecoin hedging and mainstream coin appreciation. According to market data, the volume of stablecoin-to-mainstream coin conversions completed through the wallet increased by 65% week-over-week following the interest rate cut. XBIT Wallet, focusing on cross-border financial applications, offers a “multi-chain aggregate transfer” feature that supports low-cost transfers of AUDD and XSGD between public chains like Ethereum and Polygon. Its “bulk cross-border salary transfer” service, designed for small and medium-sized enterprises, has 80% of its users coming from US SMEs that have been stimulated by the Federal Reserve’s interest rate cuts to expand their overseas operations. This data demonstrates the deep penetration of Web3 financial services into the real economy.
Cre: Twitter: XBITDEX
According to data from the XBIT Wallet app, the deep integration of Federal Reserve policy and compliant stablecoins marks the official departure of Web3 finance from a single “technology-driven” model and its entry into a new phase of dual-driven development: “policy adaptation + technological innovation.” As a decentralized wallet and web3 economic pass, XBIT Wallet’s core value lies in breaking down the barriers between policy information and user actions—translating abstract policy signals like interest rate adjustments and tariff impacts into actionable asset allocation strategies. For example, in response to the “one-off pass-through effect of tariffs” emphasized by Powell, the wallet’s built-in “Asset Risk Assessment Module” automatically prompts users to reduce their allocation to tokens in tariff-sensitive industries and simultaneously recommends increasing holdings of fiat-pegged stablecoins like AUDD and XSGD. Furthermore, the “Policy-Asset Linkage Analysis Module” captures Fed statements and inflation data in real time, dynamically generating personalized investment plans to help users seize opportunities amidst policy fluctuations.
The combination of policy dividends and compliance features has already yielded significant results in user behavior and asset allocation. Data shows that the number of users holding AUDD and XSGD within XBIT Wallet has increased by 34% since before the rate cut. Users who configured these two stablecoins through the “Policy-Asset Linkage Analysis Module” experienced 18% lower asset volatility and a 2.9 percentage point higher 7-day average yield compared to those who manually configured their assets. Cross-border transfer data also confirms this trend, with the number of transfers using AUDD and XSGD increasing by 82% week-over-week, with the average transfer amount reaching $12,000. This data not only highlights the practical value of compliant stablecoins, but also indirectly reflects the accelerated demand for cross-border finance from individuals and businesses under the Federal Reserve’s easing policies. From a long-term perspective, Powell’s policy tone and the implementation of compliant stablecoins have charted a clear development path for the Web3 wallet industry. Only by deeply integrating with policy trends and building a comprehensive service ecosystem can the industry truly unlock value during this period of loose liquidity.
