Abstract: How will blockchain-based financial products such as security tokens and stable coins be reshaping traditional finance? Security Token Offerings (STOs) as digitized securities enable fractional ownership of high-value assets like real estate or artwork, making investment more accessible to retail investors. By classifying these tokens as securities, countries such as Switzerland and the United States have applied existing legal frameworks to regulate them, reflecting the growing integration of STOs into mainstream finance. Recently emerging stable coins function as a core infrastructure in the digital financial ecosystem. With global issuance projected to exceed $250 billion by 2025, stable coins are no longer experimental but mainstream financial instruments. Stable coins are categorized into fiat-backed, crypto-backed, and algorithmic types, and dollar-based stable coins dominate with over 95% market share. Their primary use is as reserve currencies in crypto trading, though their role is expanding to remittances, payments, and collateralized investments in U.S. Treasuries—creating significant revenue streams for issuers. As the digital asset market grows quickly, a new regulatory measures are required to prevent illegal use of the digital assets like money laundering and drug trafficking. Another issue for countries including Korea and Japan is how to create strategic opportunity to lead in digital assets market through stable coins. In addition to it, required are stronger security systems, consumer protection, and alignment with global regulatory standards. Overall, STOs and stablecoins are identified as transformative forces that democratize investment, enhance liquidity, and accelerate the transition to a global digital economy.