The rise of stablecoins is being fueled by limitations within the US financial system, according to a recent panel discussion at TokenizeThis 2025. Jerald David, president of Arca Labs, highlighted these constraints, emphasizing that traditional banking hours are inadequate for 24/7 industry needs. He cited the absence of non-USD trading pairs and limited banking availability as contributing factors. The discussion also touched on yieldcoins, a type of cryptocurrency with yield generation potential through various methods like holding, staking, or lending, similar to stablecoins. David pointed out that these new payment systems are expected to integrate yield-bearing instruments with stable tokens, addressing the current limitations. ]