JD.com Founder Liu Qiangdong’s Strategy for Stablecoins: Reducing Cross-Border Payment Costs by 90% and Completing Currency Exchange in Under 10 Seconds

On the Eve of the 618 E-commerce Festival, JD Founder Liu Qiangdong Rarely Appears to Deliver a 50-Minute Speech, Revealing JD’s Future Transformation Direction

Among the notable highlights is the promotion of the “Stablecoin Globalization” plan. By applying for multiple licenses, he emphasized that stablecoins will enhance the efficiency of cross-border payments and significantly reduce costs, becoming a key financial infrastructure for Chinese brands to reach the global market.

JD Applies for Multiple Country Stablecoin Licenses: Efficient and Low-Cost as a Key Weapon

In a press conference, Liu Qiangdong stated that JD has begun applying for stablecoin licenses in major sovereign countries worldwide, initially focusing on business-to-business (B2B) cross-border settlements. In the future, “JD Local Currency” will be used as a common tool for brand transactions, advancing toward consumer-to-consumer (C2C) payment applications:

“The SWIFT system currently used by businesses generally takes about 2 to 4 days to complete a remittance, and the costs are quite high. Stablecoins can shorten the time to under 10 seconds and reduce payment costs by 90%.”

He described that this technology not only enhances efficiency but also has the potential to reshape the cost competitiveness of Chinese brands in international trade.

(Uber CEO: Stablecoins Have the Potential to Become a New Tool for International Fund Transfers)

Liu Qiangdong: Stablecoins are the Financial Engine for Chinese Brands to Go Global

Stablecoins are not a single product but a key piece of JD’s internationalization strategy. Liu Qiangdong pointed out that JD is adopting a localized model of “local procurement, local delivery, local team” to help Chinese brands penetrate the European and American markets. The introduction of stablecoins will further simplify the settlement process and reduce tax and compliance barriers, becoming a bridge for Chinese enterprises to “go out”:

“Today’s Chinese manufacturing quality has long since departed from past impressions, especially in the small appliance sector, where 98% of global innovations come from China. We want to use our technological and supply chain advantages to let the world re-recognize the high-quality image of ‘Made in China.’”

(Ant Group Plans to Apply for Stablecoin Licenses in Hong Kong and Singapore, Targeting Asia’s Financial Hubs)

JD Embraces Risk: Leveraging Financial Technology to Advance Business Innovation

The promotion of stablecoins is backed by JD’s years of independent research and development in areas such as AI, blockchain, payment, and settlement systems. Liu Qiangdong promised to maintain the rhythm of “launching one innovative project each year” in the future, with six more innovative projects set to be publicly announced within the next year and a half, in addition to stablecoins:

“Although some innovative projects may not necessarily succeed, if companies do not take risks, they will never succeed.”

JD’s Unchanging Core Belief: All Innovations Empower the Supply Chain

Even while expanding into delivery, hotels, medical beauty, and overseas markets, Liu Qiangdong continues to emphasize that JD’s fundamental competitiveness remains in the supply chain:

“All our business models, whether delivery or digital currency, ultimately aim to reduce circulation costs, enhance operational efficiency, and improve user experience.”

He pointed out that the introduction of stablecoins is not for financial speculation but to achieve a high degree of integration among goods, logistics, and capital flow. The “experience, cost, and efficiency” will be the evaluation criteria for all of JD’s future businesses and the core direction of the stablecoin project.

From Delivery to Hotel and Catering Integration: An Overview of JD’s New Business and Policy Reforms

In addition to stablecoins, JD has also publicly disclosed several important plans and operational measures that are underway or will be released soon, specifically including:

• Delivery Business: Launched on March 1 of this year, it has expanded to hire over 120,000 full-time delivery personnel, emphasizing a different operational logic from Meituan, focusing on the advantages of the “fresh supply chain.”
• Integration of Hotel and Catering Supply Chains: Established the “New Channel Business Unit,” with the first phase integrating the supply chains of convenience stores and small catering businesses nationwide, with plans to extend to services such as beauty, medical aesthetics, and healthcare to reduce channel levels and enhance efficiency.
• Salary and Employee Benefits: Delivery personnel’s monthly salary has been raised to over 13,000 yuan pre-tax, with comprehensive implementation of the “Five Insurances and One Fund” protection for all warehouse and delivery employees.
• Flattening Organizational Structure: Ensuring that there are no more than five structural layers between management and frontline auditors.

From 618 to Web3: JD Incorporates Stablecoins to Reshape Payment Models

In this leap from e-commerce, logistics to financial technology, Liu Qiangdong once again demonstrates his “supply chain philosophy” and long-term layout capability. The stablecoin plan is not just a technological breakthrough for JD, but may also become a financial fulcrum for Chinese companies to expand into international markets.

When cross-border payments become as instantaneous as sending a message, JD is building not only a technological platform but also a pathway to new global business models.

Risk Warning

Investing in cryptocurrencies carries a high level of risk, and their prices can be highly volatile, potentially resulting in the loss of your entire principal. Please assess risks cautiously.