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VanEck CEO Predicts “Super Apps” Will Disrupt Traditional Payment Systems
Jan Van Eck, CEO of global investment firm VanEck, has predicted a seismic shift in the financial ecosystem fueled by the rise of “super apps.” Speaking to CNBC on October 21, and as reported by Daily Hodl, Van Eck pointed out how applications incorporating stablecoin support could pose significant competition to traditional payment systems like Visa and Mastercard.
These innovative super apps, capable of integrating multiple financial and transactional services into a single platform, are poised to redefine the way consumers interact with payment solutions in the digital age.
Super Apps Offer Cost-Efficiency: A Key Disruption Factor
One of the primary advantages super apps bring to the table is cost-effectiveness. Van Eck outlined the transformative potential of stablecoins, showing how they bypass intermediaries such as Visa and Mastercard to slash transaction fees by approximately 3%. This unparalleled cost efficiency could make super apps the preferred choice for millions of users worldwide.
"Super apps are cost-competitive and are about to put substantial pricing pressure on existing payment systems," Van Eck stated during the interview. He also spotlighted companies like Kraken, Robinhood, and the rebranded X (formerly Twitter) as likely contenders in spearheading this wave of financial innovation. Their involvement signals an era of intense competition in the payments industry.
Stablecoin Evolution: Opportunities and Competitive Risks
As cryptocurrency adoption continues to expand, stablecoins have risen to the forefront due to their reliability, pegged value, and versatility in financial applications. Van Eck expressed optimism about the notable strides achieved by stablecoin issuer Circle over the course of 2023 but warned that competition is heating up.
"Over the next few quarters, we will get a clearer picture of whether stablecoins drive profitability for these emerging platforms—or add pressures. While the market may have already priced in some of this change, the coming developments remain pivotal," Van Eck explained.
The influx of new competitors signals an exciting yet challenging road ahead for incumbents like Circle, as they navigate increased pressure within the growing stablecoin marketplace.
Ethereum and Circle IPO Emerge as Market Leaders, but Challengers Loom
Van Eck heaped praise on Ethereum and Circle for their remarkable performance, particularly post-Circle's IPO. These entities have solidified themselves as frontrunners in the blockchain-powered financial services sector.
However, Van Eck cautioned that the status quo may soon evolve with new entrants gearing up to carve their share in this burgeoning market. "Ethereum and Circle are indisputably market leaders right now, but the emergence of additional challengers could reshape this competitive landscape significantly," he stated.
This reflects the ongoing innovation in the crypto-financial ecosystem—where established players must continually innovate to maintain their leadership status amidst a flood of rising competitors.
The Implications for Traditional Payment Systems in a Crypto-Driven World
The rapid development of super apps and the growing utility of stablecoins signal a transformative moment in the world of payments. Traditional payment systems face mounting challenges as crypto-powered solutions redefine the cost dynamics, convenience, and competitive environment of financial transactions.
"This is where the industry is heading," concluded Van Eck. The increasing integration of cryptocurrencies into mainstream financial applications underscores the need for conventional payment systems to adapt—or risk being overtaken by agile, cost-efficient alternatives like super apps.
This article highlights Van Eck’s insights on the disruptive power of super apps powered by stablecoins, drawing attention to their cost-saving advantages, competitive market dynamics, and broader implications for traditional payment platforms. It underscores the importance of staying ahead in the quickly evolving financial services landscape.
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