#RWA市场 Tether wallet is now integrating AI features, supporting only BTC, USDT, USAT, and XAUT assets. Honestly, this move is quite interesting—the stablecoin ecosystem is expanding, and the RWA direction (tokenized gold XAUT) is also being incorporated. It seems Tether aims to develop its ecosystem into a comprehensive asset allocation tool.

But what's even more interesting is that the market used to worry that stablecoins would undermine the banking system. Now it appears the opposite is happening. Research shows that stablecoins haven't caused large-scale deposit withdrawals; instead, they've created competitive pressure—forcing banks to improve interest rates and service efficiency. In other words, it's the "catfish effect": stablecoins and banks are not mutually exclusive but are driving each other's evolution.

From a user perspective, faster cross-border settlements and lower costs are real benefits. Wallets integrating AI, richer assets, and a more complete ecosystem mean more choices for ordinary users. However, the real test lies in regulation and practical implementation—how well these features work will be the key.