Want to know what the most profitable business model in crypto is right now?

It's not DeFi protocols.

It's not NFT marketplaces.

It's not even the next-gen L1 blockchain.

It's stablecoins.

And the craziest part? Almost nobody's talking about this opportunity.

Let me throw some numbers at you real quick:

Tether made $6.2 BILLION in net income in 2023.

That's more than Goldman Sachs.

More than Morgan Stanley.

And they did it with just 100 employees.

You read that right.

Tether's income per employee is 380 TIMES more than that of JPMorgan, one of the world's largest banks by market cap.

But here's what blows my mind – most Web3 founders think stablecoins are only for exchanges or payment systems.

That's like thinking the internet is only for email.

So, in the next few minutes…

We’ll break down how stablecoins make money and how you can use the same strategy for your project.

The Stablecoin Gold Rush Nobody's Talking About

The stablecoin market has absolutely exploded.

In January 2020, the total stablecoin market cap was around $5 billion.

Today? It's over $190 BILLION.

That's a 38X increase in just a few years.

And the volume is even crazier.

In 2024, stablecoins processed $15.6 TRILLION in annualized transaction value.

That's 119% more than VISA.

200% more than Mastercard.

Let that sink in for a second.

Stablecoins are processing more value than the two biggest payment networks on the planet.

And it's not slowing down.

"But I'm Not Tether or Circle... Why Should I Care About Stablecoins?"

I hear this all the time from founders I work with.

They assume you must be some giant fintech company to launch a stablecoin.

That's flat-out wrong.

Because of this insane opportunity in stablecoins that started with tether,

Other projects started building their own, and attaching it to their existing protocol in some way, incentivizing users to hold,

Therefore keeping more $ and more people within their ecosystem instead of cashing out to USDC or others.

Look at what's happening right now:

USDE launched recently and already has billions locked in its ecosystem.

USD0++ is giving users insane rewards for simply holding their token.

lvlUSD (TVL - $10.04m), a yield-bearing, cross-chain stablecoin pegged to the U.S. dollar…

Which is fully collateralized by restaked stablecoins…

Allowing holders to earn multiple yields simultaneously, including returns from lending platforms like Aave.

And USDA, a fully fiat-backed, regulatory-compliant stablecoin native to the Cardano blockchain,

Which is designed to bridge TradFi with the Cardano ecosystem…

Offering users a stable digital currency for seamless global payments and decentralized financial products.

And none of these projects started as payment giants.

They were smart Web3 teams who saw an opportunity to keep users in their ecosystem…

By giving users insane rewards for simply holding the token instead of watching them cash out to USDC.

Your Project Is Leaking Value Every Day

Here's what's happening right now:

You build amazing products and attract users...

But when they profit, where does that money go?

Straight to USDC and USDT.

And those platforms are literally monetizing YOUR hard work.

It's like building a store where customers can only exit through your competitor's checkout counter.

This is the #1 reason Web3 projects struggle with retention.

But Market-leading projects have figured out a solution –

They create their own stablecoins to keep liquidity INSIDE their ecosystem.

Why Every Web3 Project Needs a Stablecoin (Yes, Even Yours)

Doesn't matter if you're building:

• A DEX

• A GameFi project

• An NFT marketplace

• A DeFi protocol

• A DAO

If your project handles value transfer, payments, or liquidity in ANY way,

Then launching a stablecoin can be a complete game-changer.

Here's why:

1. Keep Your Users Trapped (In The Best Possible Way)

When users cash out to USDT or USDC, that liquidity is GONE.

But with your stablecoin, you create a closed-loop economy where money stays in your world.

Here's what happens:

Users can "cash out" of your volatile token into your stablecoin instead of leaving completely.

They get stability without leaving your ecosystem.

This does three things most projects desperately need:

• Reduces sell pressure on your main token (no more panic dumps)

• Keeps transaction volume within your platform

• Gives users a reason to stick around during market downturns

Just look at what Binance did with BUSD.

When markets crashed, their users didn't leave the platform - they just moved to BUSD and waited things out.

Meanwhile, competitors without stablecoins watched their users vanish completely.

Also, Trading pairs.

When your stablecoin becomes the main trading pair for your platform, you've basically created your own financial ecosystem.

2. Revenue That Works In Any Market

Most crypto projects live and die by their token price.

Up and to the right? Everyone's happy.

Down? Disaster.

Stablecoins change this equation completely.

They generate revenue in three predictable ways that work in bull AND bear markets:

• Interest on reserves: This is the simplest play. Your stablecoin reserves (the money backing your stablecoin) can earn 4-5% from T-bills or other safe investments.

  At scale, that's millions in yearly income.

• Transaction fees: Every time someone uses your stablecoin, you can take a small cut. Seems minor until you realize how quickly this compounds with volume.

• Lending markets: When your stablecoin gets integrated with lending platforms, you collect interest from borrowers. These rates typically increase during bear markets when demand for stablecoins rises.

Unlike token appreciation, which depends on market sentiment, these revenue streams just keep flowing regardless of market conditions.

3. The Network Effect That Gets Stronger Over Time

Most crypto projects get weaker as they age. Not stablecoins.

Here's why…

Every new integration makes your stablecoin more useful, which attracts more users, and incentivizes more integrations.

I've seen this play out repeatedly:

• First, projects integrate your stablecoin for basic trading

• Then payment processors want in because users are asking for it

• Next, lending platforms add support because there's a natural demand

• Eventually, even competitors want to support it because their users expect it

And as a result…

Your initial product (the stablecoin) becomes the infrastructure which everything else builds upon.

This is exactly what happened with networks like Arbitrum, Base, and Optimism.

They didn't grow just because of lower fees - they grew because they became hubs for stablecoin activity, which created this unstoppable flywheel.

And here's the best part…

Once your stablecoin reaches a certain threshold of adoption, it becomes nearly impossible for competitors to displace you.

The switching costs become too high.

How to Launch Your Own Stablecoin (Without Getting Rekt)

Now, I know what you're thinking:

"Sounds great Andre, but how do I actually DO this without getting shut down by regulators or losing people's money?"

Fair question.

Building a stablecoin isn't like launching another meme token.

There are serious considerations, but they're totally manageable if you know what you're doing.

Here's the high-level roadmap:

1. Determine the Right Type of Stablecoin for Your Project

Stablecoins generally fall into two categories:

• Collateralized: Backed by fiat (like USDC) or crypto assets (like DAI)

• Algorithmic: Maintained through smart contracts and incentives

If you're focused on long-term growth and ecosystem building, algorithmic stablecoins give you more flexibility.

If you want immediate trust and stability, collateralized models work better.

The right choice depends entirely on your specific project goals.

2. Select the Right Blockchain & Technical Stack

Your stablecoin's home matters enormously.

You need:

• High throughput for transaction volume

• Low gas fees for microtransactions

• Strong interoperability for wider adoption

Some projects even go multi-chain from day one to maximize their reach.

3. Implement Smart Liquidity Management

Without proper liquidity, stablecoins fail. Full stop.

You need:

1- Automated monitoring systems

Integrate an automated monitoring system to provide daily currency rates and index rates from the Consumer Price Index and Personal Consumption Expenditures.

2- Dynamic transaction fee structures

Split transaction fee revenues, with a portion going to the stablecoin partner and the remainder into a liquidity reserve to enhance liquidity.

3- Protection mechanisms against supply shocks

Users should be able to redeem or sell their stablecoins at the current face value minus transaction fees. This prevents sellers from offering their stablecoins at discounted rates in secondary markets.

This is often where projects mess up – they launch without proper liquidity planning and watch their peg break within weeks.

4. Develop Rock-Solid Smart Contracts

This isn't the place to cut corners.

Your entire stablecoin lives and dies by your code, period.

Your smart contracts need:

• Multiple security audits (not just one)

• Gas optimization that actually works at scale

• Upgradeability pathways without backdoors

• Bulletproof access controls

One vulnerability can destroy your entire project overnight.

To ensure the reliability and authenticity of your stablecoin on a decentralized platform,

You must choose the right protocols.

5. Design The Entire System (Not Just The Token)

Most projects just deploy a contract and call it a day.

Big mistake.

Designing a stablecoin isn't just about the token - it's about mapping the entire ecosystem around it.

You need to design:

• The transaction flow architecture

• System interaction mechanisms

• The governance framework

• User interfaces for web & mobile

This means wireframes, user journeys, and clear documentation for how everything connects.

I've seen projects spend months coding only to realize their fundamental system design doesn't work for actual users.

The most successful stablecoins are built with the entire ecosystem in mind from day one -

from backend systems, all the way to the app screens users will interact with.

Making Your Stablecoin Essential, Not Optional

The difference between stablecoins that gain traction and those that fade away isn't just technical.

It's about making your stablecoin a natural part of your ecosystem rather than a bolted-on feature.

The most successful implementations I've worked with embedded their stablecoin as:

• The default settlement layer for all platform transactions

• The primary reward mechanism for ecosystem participation

• The connector between different products and services

One gaming project made their stablecoin the only way to purchase limited-edition items…

Creating natural demand without forcing adoption.

Another DeFi protocol gave governance rights to stablecoin holders, aligning long-term incentives perfectly.

The stablecoins that grow become invisible infrastructure - users don't even think about using them, they just do.

And this requires intentional design from day one.

Your stablecoin shouldn't feel like a separate product but rather an essential component that makes everything else work better.

Mapping Out Your Stablecoin Implementation

I've had the privilege of helping dozens of Web3 projects implement their stablecoin strategies.

Each journey is unique, with different goals, constraints, and opportunities.

Some projects needed regulatory-first approaches that would scale globally.

Others prioritized integration with their existing ecosystem and user experience.

But what they all had in common…

Was the need for a clear roadmap and experienced guidance…

Building a stablecoin that works, maintains its peg, generates revenue, AND keeps regulators happy.

• Finding the right technical architecture for their specific needs

• Creating tokenomics that maintain stability while generating value

• Designing user experiences that drive adoption

• Planning for long-term growth and sustainability

So, If you're considering adding a stablecoin to your project,

I'd be happy to share a game plan and outlook on the next steps with you…

So you can use them moving forward.

Just send me a message on TG or grab a spot on my calendar for a 30-minute strategy call.

And I’ll see you on the other side.

-Andre Costa