PayPal's PyUSD gaining traction on Aave is a textbook example of how fintech giants are reshaping stablecoin strategy. By tapping into lending protocols, they're not just issuing stablecoins—they're unlocking yield mechanisms that traditional finance can't touch. This is what the Aave effect looks like: when major players integrate with decentralized platforms, they don't just scale volume. They fundamentally shift how stablecoins generate value. Expect more fintechs to follow this playbook, treating lending protocols as infrastructure to expand their digital currency reach and offer users actual returns on their holdings.