Goal returns to the crypto game. But this time not with its own currency, or with an experimental stable, or with a utopian Whitepaper. He does it integrating directly to the two most important stablecoins on the market —USDT and USDC— on their star platforms: WhatsApp and Instagram.
That changes everything.
Because if there are more than 120 million people today using stablcoins monthly, the goal entry can duplicate or triple that figure in a matter of months. And, with that, there is a consequence that few are looking at: if the circulation of stablcoins grows, the support that supports them has also to grow. And that support, at this time, has a name and surname: United States Treasury Bonds.
More users, more broadcast
Neither USDT nor USDC can be printed out of nowhere. Each new token emit must be supported, mainly, with American treasure bonds. This is how they work: they take the dollars they receive and place them in short -term bonds issued by the US government.
Now let’s imagine that WhatsApp – with more than 2,000 million active users – becomes the main channel to send and receive Stablecoins. Demand can be shot. And with her, the broadcast. And with that, the need to buy more bonds.
Figures to put body to the phenomenon
- Tether (USDT) currently maintains more than USD 91,600 million in treasure bonds, representing about 61% of its total reported assets, and more than 80% of the liquid support of its stablecoin.
- Circle (USDC) administers approximately USD 28,000 million in reservations, 100% invested in bonds through the Circle Reserve Fund Fund managed by Blackrock.
- Goal operates in more than 180 countries, and its apps have more active monthly users than any financial entity on the planet.
Mathematical Conclusion: If only 1% of WhatsApp users decides to use USDT or USDC to transaction with each other, that can generate An additional demand for tens of billions of dollars in Stablecoinsand therefore, of treasure bonds. Example: 1% of the WhatsApp users base is 20 million users, which allows the monthly Global Users of Stablecoins to increase by 15% and is the equivalent of one third of the population of Argentina.
The Treasury finds new buyers
In a world where the US fiscal deficit grows year after year and external financing begins to show signs of exhaustion, which Stablecoins private emitters become systematic buyers of public debt is a silent blessing.
It is no longer just the traditional banking or investment funds. Now, bond demand comes from a messaging app, backed by the interest of users who want to send digital dollars to their relatives, pay a product or simply save without local inflation.
Goal could become the most important entrance door that has existed for the digital dollar. And in doing so, indirectly drives a new wave of financing for the US Treasury.
- Commission for conversion and transaction
Although in a first phase the transfers can be free to encourage adoption, goal can capture Fee by conversion from Fiat to Crypt (ONRAMP) and vice versa, either directly or through integration with suppliers (Ramp, Moonpay, Coinbase Pay, etc.). Every time someone recharges balance, there is a spread. - Financial data capture
Meta does not need to collect UPFRONT if you get financial data: spending habits, savings frequency, savings capacity, remittances, microtransactions. This allows you:- Increase your advertising precision.
- Create credit profiles for future Fintech products.
- Future integration with commercial payments
If users begin to pay with USDT/USDC at WhatsApp or Instagram Shopping, goal can charge sellers (as you already do with Facebook Pay), Apple Pay Pay or Market Payment style. - Global strategic positioning
Goal creates a parallel financial infrastructure without being a bank or issuer. This allows you to negotiate power with governments, regulators and companies without having to depend on the traditional banking system. A geopolitical asset in itself.
What do others win?
- Tether and Circle increase their issuance, their reserves and their systemic importance. Each new user who enters by goal is a potential buyer of their currency.
- The US Treasury gets additional buyers for their bonds, without raising rates or forcing political agreements.
And the genius act?
In parallel to this explosive growth, the US Senate has just approved the motion motion of the genius act (s.1582) by 66 votes against 32. It is not yet law, but opens the formal debate to regulate Stablecoins at the federal level.
The proposal establishes that all stablecoins must have 100% reservations in USD or bonds, be subject to annual audits and monthly reports, and prohibits Big Tech from acting as a direct issuer. In addition, it imposes controls on foreign emitters such as Tether.
If you advance, the Genius Act could redefine market architecture: greater legitimacy for regulated emitters, more transparency, and even more demand for treasure bonds as mandatory support. In other words, it regulates the terrain just when finishing is expanding it.
What is not seen
This phenomenon has macro implications that exceed the crypto industry:
- The stablecoins cease to be an alternative phenomenon and become a fundamental layer of the global financial system.
- Social networks become part of the sovereign debt distribution channel.
- And the dollar, instead of losing power, reinvents itself as an interoperable digital asset.
All this without the need to launch a CBDC, without changing laws, without asking anyone permission.
What if it grows too much?
Explosive growth also brings uncomfortable questions:
- Will EE.UU.
- Will the Fed try to intervene in the expansion of Stablecoins so as not to lose control on the monetary basis?
- When will it begin to be treated seriously if goal is handling more monetary mass than some central banks?
Meta does not need to invent a currency to get into the heart of the system. You just have to integrate those that already work. With that, it enhances the demand of Stablecoins, expands its global circulation … and generates a shopping wave of treasure bonds that directly benefits the United States.
In short, it is not necessary to make a money. You just need others to do it … and that you use it.
Discharge of responsibility: The views and opinions expressed in this article belong to its author and do not necessarily reflect those of cryptootics. The author’s opinion is informatively and under no circumstances constitutes an investment recommendation or financial advice.
