From Dollar Hegemony to Localization Assets: Can Coinsidings Build a Global "Consumer Currency"?
In the past century, the US dollar has almost dominated the global financial landscape. From international trade to cross-border investment, from energy pricing to tourism settlement, the US dollar is the main medium of exchange. The US dollar hegemony has indeed brought stability and liquidity, but it has also invisibly shaped the risks of the global economy.
Every time the Federal Reserve raises or cuts interest rates, it triggers a chain reaction worldwide like a butterfly effect. The US dollar hike means that funds flow back to the US, and Emerging Markets often face currency depreciation, capital flight, and rising debt burdens as a result; while the loose US dollar promotes capital flooding and creates asset bubbles. This highly dependent monetary system makes countries lack autonomy.
Especially in the tourism industry, the status of the US dollar is more prominent. International tourists often use the US dollar as the settlement basis, and local currency can only be exchanged for short-term use. Exchange rate fluctuations increase costs, cross-border transfers require multiple intermediaries, high handling fees, and inefficient User Experience. For merchants, the pricing and revenue of local tourism assets are also forced to be linked to the US dollar system, resulting in drastic fluctuations in actual value.
Therefore, the market urgently needs a new solution that can break through the limitations of the US dollar hegemony and combine with real consumption scenarios to form a new value consensus.
The global nature of tourism consumption and natural financialization scenarios
Among all the scenarios that can be RWA-ized, the tourism industry is the most representative global consumer market. According to the statistics of the World Tourism Organization, the global tourism market size has exceeded $8 trillion in 2024 and is expected to approach $30 trillion in 2030. This is not only a huge industry, but also the most intuitive manifestation of globalization.
Tourism consumption has several natural financialization characteristics.
- High frequency and high repurchase
Unlike low-frequency assets such as real estate and art, tourism is a rigid demand consumption, especially in today's global travel convenience era, where users frequently travel across borders, bringing sustained and stable consumption flow. - Cross-border attributes
Tourism almost necessarily involves multi-currency settlements and cross-border assets, and traditional payment and exchange systems are complex and inefficient, leading to huge frictions in capital flows. - Complete consumption chain
Tourism is not only about accommodation, but also includes airfare, transportation, catering, ticketing, and vacation experiences. The entire chain includes both short-term consumption and medium-to-long-term assets, making it naturally suitable for financial combination.
However, in the traditional model, tourism consumption is only a one-time expense. No matter how the user pays, the funds disappear after the experience ends. This model cannot accumulate long-term value, nor can it resist inflation and exchange rate fluctuations.
This is exactly the opportunity for Coinsidings to enter: turning tourism consumption into assets, depositing expenses into income, and making the global tourism industry the best application Scenario for RWA.
The ecosystem logic of Coinsidings: Consumption is asset, points are currency
The design of Coinsidings 2.0 revolves around how tourism consumption can be transformed into assets. At Coinsidings, every booking, travel, or dining expense is no longer just a one-time expense, but generates corresponding equity and options. These equity are bound to real-world tourism assets, such as hotels, resorts, or tourism real estate projects, becoming future income vouchers for users. In other words, the "money spent" by users has not disappeared, but has settled in another form in the ecosystem.
The CSS points in the Coinsidings ecosystem are not traditional membership points. They can not only offset consumption, but also be directly linked to asset returns and used as a value medium in cross-border circulation. This makes CSS gradually have the attribute of "consumer currency": it is both a usage right and an investment certificate.
Users accumulate points to obtain platform dividends and asset returns, forming a cycle of "consumption-accumulation-appreciation". The core value of this point system lies in its connection with real tourism assets and solid underlying support.
Another major innovation mechanism of Coinsidings is to introduce option logic into tourism consumption. The rights generated by user consumption can not only participate in profit distribution, but also be designed as "option-based assets". When the market is rising, user profits will be amplified; while when the market is fluctuating downwards, users can choose to exit early to reduce risks.
This "small consumption, big leverage" mechanism introduces Wall Street's financial tools into the travel scenarios of ordinary users, turning consumption into a real investment tool.
From US Dollar Dependence to Localization of Assets: Coinsidings' Decentralized Solution
In breaking through the hegemony of the US dollar, Coinsidings has built a solution through multiple mechanisms. In cross-border transfer, Coinsidings introduced the CHFT stablecoin. It can serve as an anchor tool for local currency and assets, avoiding direct exposure of users and merchants to fluctuations in the US dollar exchange rate. In this way, users can use CHFT to pay for hotel rooms in France or purchase hot spring packages in Japan, ensuring stable value.
Coinsidings not only relies on a single public chain, but also chooses multi-chain deployments such as Ethereum, BNB Chain, Polygon, and AIA. Ethereum provides security for high-value assets, BNB Chain meets the low-cost needs of small and medium-sized transactions, Polygon is suitable for the circulation of high-frequency consumption points, and the AIA public chain further enhances the mapping efficiency between cross-chain bridges and tourism assets.
This multi-chain architecture ensures that users from all over the world can participate without barriers, while enhancing the system's ability to resist risks.
At Coinsidings, not only individual hotels or resorts can be capitalized, but also consumption links such as catering, ticketing, and transportation can be mapped as asset vouchers and enter the global asset pool. This means that the value of consumption can be recorded, split, and circulated on the chain regardless of where users are, thus getting rid of the single dependence on US dollar pricing.
Possibility of Global "Consumer Currency"
Coinsidings is positioned as much more than just a travel booking platform. It is building a decentralized consumer finance network that enables daily travel consumption to have asset-based and financialized value precipitation capabilities.
For users, points and rights have gradually evolved into true "consumer currency". These digital vouchers can not only be used for payment and deduction, but also carry the function of income distribution. Unlike the traditional model that relies on the US dollar, users' value anchoring directly comes from their own consumption behavior and actual assets, rather than the Monetary Policy of a certain country. This mechanism makes cross-border tourism no longer subject to exchange rate fluctuations, but constructs new value consensus through user participation.
At the merchant level, Coinsidings has achieved a reduction in the cost barrier of traditional reliance on US dollar settlement.
Merchants can directly accept points or CHFT stablecoins as settlement tools to achieve stable and certain income. At the same time, merchants are not just service providers, they can also enter the platform's long-term income distribution system through equity binding. This model provides unprecedented value sharing opportunities for participants in the tourism industry chain.
Furthermore, as users and merchants continue to enter this ecosystem, the circulation of points and options will form a consensus similar to "global consumer currency". It is not dominated by a single country or central bank, but by millions of real consumer behaviors deposited on the chain, naturally evolving into a cross-border value network. This is exactly the new financial order that Coinsidings is trying to build.
Future Outlook: From Consumption Entry to Financial Revolution
Coinsidings' strategic goal is not just to transform the profit model of the tourism industry, but to promote a systemic change in global consumer finance through consumer entry.
In the foreseeable future, the ecosystem will continue to expand in several directions: - Global asset pool : gradually covering more countries and core tourist destinations, allowing users to combine investment and consumption in cross-border travel.
- Diversified equity binding : break through the single accommodation scenario, incorporate catering, transportation, cultural entertainment, ticketing and other assets into the layout, forming a complete consumer finance closed loop.
- Intelligent governance : With the combination of AI and DAO, it realizes the efficiency and intelligence of revenue distribution, proposal voting and resource scheduling, and enhances the user governance experience.
- Consumer monetization : Points and options have further evolved into cross-border settlement and asset certificates, becoming a true "global consumer currency".
In the era of the gradual weakening of the US dollar hegemony, Coinsidings proposed a new solution: to make consumption no longer a one-way expenditure, but an asset accumulation; to enable users to no longer rely on a single currency, but to build a new global value system through decentralized mechanisms and localized assets.
Perhaps, in the future, what can challenge the status of the US dollar is not another national currency, but a decentralized network supported by consumption and assets . Coinsidings is the starting point of this change.