Blockchain & Web3 Weekly Bytes Edition #91

💸 Stablecoins Break Records, Banks Open Access, Atomic Routing Explained

Dec 13, 2025

Hello Blockchain Enthusiast,

Welcome to Edition #91 of Blockchain & Web3 Weekly Bytes. This edition captures a clear pattern taking shape across markets. Stablecoin usage continues to expand, large banks are widening access to digital asset products, and on-chain settlement mechanics are becoming easier to reason about.

TLDR – This Week at a Glance:

YouTube adds PYUSD payouts for U.S. creators, extending stablecoins into mainstream creator income flows
Tokenized markets move forward as DTCC prepares onchain settlement rails for U.S. securities
Banks broaden crypto availability as PNC enables Bitcoin trading and Gemini clears a new regulatory step
Tech Spotlight: Atomic Routing and how assets settle across chains without intermediaries
Chart of the Week: Stablecoin supply growth across exchanges, payments, and on-chain venues
Affiliate Spotlight: CoinLedger for clear crypto tax tracking as activity spans wallets, exchanges, and apps

🧠 Weekly Trivia

What data point do institutions watch most closely to gauge real stablecoin activity across payments and exchanges?

A) Smart contract deployment counts
B) Issuer mint–burn balance
C) Median transfer size
D) New wallet creation rate

*Answer revealed at the end 👇

📰 This Week’s Blockchain and Web3 Highlights

YouTube adds PYUSD payouts for U.S. creators: Creators in the U.S. can now receive earnings in PayPal’s PYUSD, extending stablecoin payouts beyond trading and into everyday creator income.

DTCC clears path for tokenized U.S. securities by 2026: DTCC’s depository unit received SEC no-action relief to tokenize select equities, ETFs, and Treasurys held within DTC custody, with rollout planned for the second half of 2026.

Phantom brings regulated prediction markets into its wallet: A new Kalshi integration lets Phantom users access tokenized prediction positions, real-time odds, and settlement alerts directly inside the wallet using Solana rails.

JPMorgan issues Solana-based commercial paper for Galaxy: The bank introduced USCP, a tokenized short-term debt instrument, to support Galaxy’s first U.S. commercial paper raise, with Coinbase serving as custodian and Franklin Templeton joining the deal.

PNC launches direct Bitcoin trading for wealthy clients: Through a Coinbase partnership, PNC now offers Bitcoin trading to high-net-worth customers, aiming to keep crypto activity inside traditional banking relationships.

Xiaomi phones ship with Sei wallet outside the U.S. and China: Upcoming Xiaomi devices will include a preinstalled Sei wallet, with plans to support stablecoin payments for hardware purchases in Hong Kong and parts of Europe by mid-2026.

Gemini secures CFTC approval for prediction markets: The exchange received a Designated Contract Market license, opening the door to regulated prediction products and potential expansion into futures, options, and perpetuals.

🔦 Tech Spotlight: Atomic Routing

Atomic routing moves value across multiple blockchains in one all-or-nothing flow.

Every step settles together.
If one fails, nothing goes through.

That guarantee matters as transactions increasingly span multiple chains.

Why is it appearing now

Wallets, payments, and trading no longer live on a single network. A single action may touch Solana, Ethereum, and a rollup. Atomic routing keeps those steps synced without manual fixes or trust gaps.

It already shows up in cross-chain swaps, stablecoin transfers, and wallets that auto-select the fastest or lowest-cost path.

What this enables

One-step transfers across chains
Payments routed through multiple networks without leftovers
Credit flows that move collateral and funds together

Takeaway: Atomic routing removes a major friction point in multi-chain activity. Fewer failed transfers. Cleaner settlement. A smoother experience as on-chain finance spreads across networks.

📊 Chart of the Week: Stablecoins Hit a New Peak

The total stablecoin market cap has reached $309.1 billion, surpassing the previous high set in October.

This rise looks different from past cycles. Supply growth is not coming from leverage or short-term trading loops.

It is showing up in payments, exchange balances, and on-chain settlement.

Stablecoins are moving from idle balances to active infrastructure. As banks, creators, and platforms widen access, supply is following demand.

Stablecoins_market_cap_weekly_chart Large.jpeg

Source: DeFiLlama

😂 A Little Blockchain Humor Break 🤣

Source: Naiive

Edition #91 of Blockchain & Web3 Weekly Bytes tied together a few clear threads. Stablecoin supply hit a new high, banks expanded direct access to crypto products, creator payouts took a stablecoin turn, and on-chain settlement paths grew simpler to follow.

✅ Trivia Answer: B) Issuer mint–burn balance

Net issuance is a simple way to see if stablecoin demand is growing or cooling, beyond price charts.

We’ll be back next Saturday with another tight read from Blockchain and Web3 Insights.

Thank you,
Blockchain and Web3 Insights

🌐 blockchainweb3insights.com
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