Can Digital Dollars Help Solve America’s $36 Trillion Debt?”
Hello friends,
Today, let’s talk about something
very big—but in a simple way. The United States has a debt of 36 trillion
dollars. That’s a number so huge, it’s hard to imagine. If you spent one
million dollars every single day, it would still take you almost 100,000 years
to spend that much.
One new idea Trump and his advisors
from treasury are discussing is
stablecoins. Let’s see how this works.
What Are Stablecoins?
Think of stablecoins as digital
versions of money. Unlike Bitcoin, their value doesn’t jump up and down every
day. They are usually tied, or “pegged,” to the U.S. dollar.
For example, if you hold one
stablecoin, it’s always equal to one U.S. dollar. Behind the scenes, real U.S.
dollars or government bonds are kept safe to back it up.
Credit: https://www.tiktok.com/@technikvista/video/7548400840554450184
Why Could Stablecoins Help?
There are three main ways:
More Buyers for U.S. Debt
Stablecoins need something strong to back them. If stablecoins are backed by U.S. Treasury bonds, then more people around the world will indirectly buy U.S. debt. This helps America find more money to keep its system running.
Dollar Everywhere
As stablecoins spread across Asia, Africa, and South America, more people will effectively be using “digital U.S. dollars” in their daily lives. This strengthens the dollar’s position as the world’s dominant currency, and that matters because the U.S. dollar is already everywhere. Today, there are about $2.4 trillion in U.S. cash circulating worldwide, with more than half held outside the United States.
If we expand beyond cash and include deposits, savings, and other liquid forms of money (the broader M2 money supply), the figure rises to roughly $95 trillion globally, much of it tied to the U.S. dollar. By comparison, stablecoins remain small—about $247 billion in mid-2025—but they are growing quickly and could reach several trillion dollars within the next decade. This digital expansion means the dollar’s reach will extend even further, reinforcing international demand for U.S. assets.
In turn, a stronger and more widely used dollar lowers
borrowing costs for the United States, helping it sustain its massive debt
obligations.
Faster, Cheaper Payments
Sending money across borders today
can be slow and expensive. With stablecoins, it’s fast and cheap—just like
sending a text message. If governments also use this system, it can save
billions of dollars in fees and time.
The Careful Side
But lets be careful. Stablecoins are
not magic. They cannot suddenly erase trillions in debt. The U.S. must still
control spending and manage taxes.
Also, stablecoins carry risks:
If too many people try to exchange
them at once, it could shake the system.
Hackers could attack weak platforms.
Bad actors might use them for crime.
That is why strong rules and
supervision are needed.
A Possible Future
Let’s imagine a near future. By
2030, many licensed companies issue stablecoins backed by U.S. bonds. Millions
of people across Asia, Europe, and Africa use them for shopping, savings, and
trade.
Every time someone uses a
stablecoin, it creates more demand for U.S. debt. America can borrow more
easily, at lower cost. This doesn’t erase the $36 trillion, but it makes paying
interest and rolling over debt less painful.
In this way, stablecoins become a tool—not the solution, but a helper.
So, can stablecoins solve America’s
$36 trillion debt?
Not completely. But they might make
the problem easier to handle. They can strengthen the dollar, attract global
investors, and reduce costs.
In the end, stablecoins show us that
technology and finance are connected. Even the biggest challenges—like national
debt—may find some relief through digital innovation.
