Deegaanka lacagaha waa si dhaqso leh u isbeddelayo, iyadoo shirkado cusub oo badan ay hormuud u yihiin hal-abuurro beddelaya bangiyada, gaar ahaan meelaha soo koraya sida coin-yada deggan (stablecoins) iyo sirdoonka macmalka ah (AI). Stablecoins waxay helayaan daneyn badan oo ka timaadda bangiyada, gaar ahaan kal-fadhiyada golaha congress-ka ee ka hadlayaa dejinta qaab-dhismeedka sharci ee stablecoins lacagaha lacagta lagu bixiyo. Dhanka kale, shirkado waaweyn oo tafaariiq ah sida Walmart iyo Amazon ayaa sahamiyay inay tiryaan stablecoins u gaar ah Maraykanka, si ay u noqdaan habab lacag bixin oo kale. Crunchbase ayaa raadraac ku ah in ka badan 8, 600 fintech iyo ku dhawaad 2, 400 shirkado lacag bixinta ah, kuwaas oo si wada jir ah u ururiyay qiyaastii $257 bilyan iyo $96 bilyan siday u kala horreeyaan. Shirkadahan waa kuwo muhiim u ah bangiyada maaha oo kaliya adeegyada ay bixiyaan, balse sidoo kale waxay yihiin bartilmaameedyo suurtagal ah oo laga iibsan karo, sida tusaale waxay u tahay iibsashada dhawaan ee Stripe ee madal stablecoin payments-ka ah ee Bridge. Hoos waxaa ku qoran dulmar ku saabsan shan shirkado cusub oo heer hore ah oo ay ku talinayaan khubaro ku takhasustay warshadaha inay si dhow u dabagalaan 2025-ka. 1. **Darwinium** - **Aasaasay:** Alisdair Faulkner, Ananth Gundabattula, Ben Davey, Caleb Moore, Colin Goldie - **Xafiiska dhexe:** San Francisco, oo wax ka qabta dalka Australia iyo UK - **La aasaasay:** Maarso 2021 - **Website:** www. darwinium. com - **Adeegga:** Waa madal looga hortago khiyaamada oo isku daraysa ogaanshaha otomaatiga ah iyo hababka dhaqameed. Waxay bixisaa aragti dhammaystiran oo waqtiga dhabta ah ah iyo kontoroolka dhammaan wada-socodka dhijitaalka ah ee webka, app-yada, iyo APIs si ay u kala saarto dhaqamada saxda ah iyo kuwa khiyaanada leh. - **Maaliyad:** $28 milyon oo maalgelin venture capital ah - **Maalgashadayaasha:** U. S. Venture Partners, Blackbird, Airtree, Accomplice, Naval Ravikant - **Macmiilka:** Shirkado caalami ah oo ka shaqeeya neobank-yada, fintech-yada, suuqyada, iyo madadaalada - **Guulo:** Ballaarinta gudaha Maraykanka oo leh hoggaan cusub iyo xafiiska dhexe oo loo wareejiyay San Francisco - **Kobaca:** Qorsheynaya in 2025 ay laba jibaaran waxtarkeeda dakhliga 2. **Skyfire** - **Aasaasay:** Amir Sarhangi, Craig DeWitt - **Xafiiska dhexe:** San Francisco - **La aasaasay:** 2022 - **Website:** https://skyfire. xyz/ - **Adeegga:** Waa madal lacag-bixin iyo aqoonsi oo AI ka faa'iideysaneysa si toos ah u socodsiisa lacagaha, u xaqiijiso aqoonsiyada, oo u gasho adeegyo aan faragelin bini'aadam ah lahayn. - **Maaliyad:** $9. 5 milyan oo ah maalgelin dhalinyaro ah - **Maalgashadayaasha:** Coinbase Ventures, a16z CSX, Neuberger Berman, Brevan Howard Digital, kuwa kale - **Macmiilka:** Horumariyayaasha wakiilada, madalaha, qaar ka mid ah bangiyada - **Guulo:** Waxaa la hirgaliyay madal muddo sanadka ah (August 2024); in ka badan 10, 000 oo horumariye ah ayaa wax ka qabta wakiilada. - **Qorshaha Kobaca:** Soo bandhigida madal cusub oo la qiyaasi karo iyo xoojinta iskaashiga bangiyada iyo bixiyayaasha internetka 3.

**Crossmint** - **Aasaasay:** Rodri Fernández Touza, Alfonso Gómez-Jordana - **Xafiisyada dhexmara:** New York iyo Miami - **La aasaasay:** Maarso 2022 - **Website:** https://www. crossmint. com/ - **Adeegga:** Waa madal isku-dhafan oo u suurtogelineysa shirkadaha iyo wakiilada AI inay isticmaalaan infrastructure stablecoin iyo blockchain si loo sameeyo jeebka digital, lacag-bixinta, iyo tokenization. - **Maaliyad:** $24 milyan oo venture capital ah - **Maalgashadayaasha:** Ribbit Capital, Nyca Partners, First Round, Franklin Templeton, Lightspeed Faction - **Macmiilka:** Tobannaan shirkado Fortune 500 ah, hal bangi oo ka mid ah 20ka ugu sarreeya ee la xiriira hantida, iyo shirkad hormuud u ah remittance-ka. - **Guulo:** Kordhinta dakhliga subscription-ka oo dhan 1, 100% sannadkii la soo dhaafay; in ka badan 40, 000 oo shirkado iyo horumariye ah oo adeegsanaya madasha 40 ka badan blockchains. - **Qorshaha Kobaca:** Ballaarinta macaamiisha kadib markii la hirgaliyay qalab cusub oo ganacsi wakiil ah iyo qalab horumarin fintech furan (open-source). 4. **Merge Money** - **Aasaasay:** Kebbie Sebastian - **Xafiiska dhexe:** London - **La aasaasay:** 2022 - **Website:** www. merge. money - **Adeegga:** Waa infrasturktur lacag bixin stablecoin ah oo APIs ku saleysan, oo u adeegta ganacsiyada. - **Maaliyad:** $9. 5 milyan oo venture capital ah - **Maalgashadayaasha:** Coinbase, Octopus Ventures - **Macmiilka:** Suuqyada B2B, fintech-yada, maareeyayaasha shirkadaha, shirkadaha shatiyada leh ee crypto, bangiyada Yurub. - **Guulo:** Helitaanka liisanka Electronic Money Institution iyo Virtual Asset Service Provider; ballaarinta lacagaha degdegga ah ee gudaha oo dhaafay 75 waddan. - **Qorshaha Kobaca:** In si juuqraafi ah loo ballaariyo, gaar ahaan gelitaanka suuqa Maraykanka. 5. **Conduit Technology** - **Aasaasay:** Kirill Gertman - **Xafiiska dhexe:** Boston - **La aasaasay:** 2021 - **Website:** https://conduitpay. com - **Adeegga:** Waxay fududeysaa lacagaha xuduudaha iyo kuwa gudaha ee isticmaala stablecoins ama lacagaha maxalliga ah sida beddelka SWIFT, iyadoo bixisa macaamilada dhaqsaha badan, qiimo jaban, iyo kalsooni badan oo loogu talagalay bangiyada iyo macaamiishooda. - **Maaliyad:** $53 milyan oo venture capital ah - **Maalgashadayaasha:** Dragonfly, Altos Ventures - **Macmiilka:** Bangiyada, fintech-yada, shirkadaha waaweyn ee caalamiga ah - **Guulo:** 2024, qadarka macaamilka ayaa kor u kacay 16 jeer, waxa ka badan $10 bilyan; heshiis lala galay Braza Group, oo ah milkiilaha bangiga ugu weyn ee sarrifka lacagaha ee Brazil Shirkadahan waxay muujinayaan sida hal-abuurka ku cusub stablecoins, AI, iyo kaabayaasha lacag-bixinta ay ula socdaan horumarka degdega ah, sidoo kalena waxay soo bandhigayaan fursado waaweyn iyo caqabado bangiyada ah sida ay ula qabsadaan jawi isbeddelaya.