PANews reported on May 9th that, according to CoinDesk , Binance's latest research indicates that 77% of its platform users are from emerging markets, and these users are using crypto exchanges as an alternative financial infrastructure for savings, payments, and investments. The report states that 83% of users using two or more products simultaneously are from emerging markets, where savings rates are approximately twice that of developed markets. About 36% of emerging market users with balances exceeding $ 10 allocate at least half of their assets to stablecoins, compared to 28% globally. Binance cites World Bank data pointing out that approximately 1.3 billion adults worldwide still lack financial services, 4.7 billion lack credit, and a large number of depositors in low-income countries earn no interest on their savings. The increasing use of stablecoins in cross-border remittances and savings has raised concerns among the IMF and Moody's about monetary sovereignty and financial resilience.