How Investors Are Reacting To Xiaomi (SEHK:1810) Embedding Stablecoin Payments And Crypto Wallets In New Phones

• In December 2025, Sei announced a major initiative with Xiaomi to pre-install a next-generation crypto wallet and discovery app on all new Xiaomi smartphones sold outside mainland China and the US, and to enable stablecoin payments for Xiaomi products across its global retail and digital ecosystem.
• This collaboration could act as a large-scale on-ramp to web3 for millions of users in regions where Xiaomi dominates smartphone share, such as Greece and India, while embedding blockchain payments directly into everyday device and retail experiences.
• We will now examine how Xiaomi’s planned integration of stablecoin payments and embedded crypto wallets may influence its broader investment narrative.

This technology could replace computers: discover 27 stocks that are working to make quantum computing a reality.

Xiaomi Investment Narrative Recap

To own Xiaomi, you generally need to believe its large smartphone base can keep feeding a broader hardware plus services ecosystem, even as global handset growth slows and competition stays intense. The Sei partnership could support this ecosystem angle by deepening user engagement outside China, but near term, the main catalyst remains execution on profitable growth across smartphones, AIoT and EVs, while the biggest risk is margin pressure from price competition and elevated R&D and investment needs.

Among recent announcements, Xiaomi’s strong Q3 2025 results, with sales of CNY 113,120.73m and net income of CNY 12,270.87m, are most relevant in framing this news. They show the company entering the Sei rollout from a position of solid recent profitability, but with earnings quality flattered by one off gains and with consensus still expecting only mid‑teens profit growth, which makes future ecosystem monetization and disciplined cost control particularly important catalysts to watch.

Yet behind the excitement around embedded crypto payments, investors should be aware of the risk that intense smartphone and EV competition could still pressure margins and...

Read the full narrative on Xiaomi (it's free!)

Xiaomi's narrative projects CN¥765.2 billion in revenue and CN¥69.6 billion in earnings by 2028.

Uncover how Xiaomi's forecasts yield a HK$58.00 fair value, a 35% upside to its current price.

Exploring Other Perspectives

Sixteen fair value estimates from the Simply Wall St Community span roughly HK$31.49 to HK$80.26, highlighting very different views on Xiaomi’s prospects. When you set this against margin risks from price competition and rising R&D, it underlines why many market participants are weighing both upside from ecosystem expansion and the possibility of more volatile earnings ahead.

Explore 16 other fair value estimates on Xiaomi - why the stock might be worth as much as 87% more than the current price!

Build Your Own Xiaomi Narrative

Disagree with existing narratives? Create your own in under 3 minutes - extraordinary investment returns rarely come from following the herd.

• A great starting point for your Xiaomi research is our analysis highlighting 3 key rewards and 1 important warning sign that could impact your investment decision.
• Our free Xiaomi research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate Xiaomi's overall financial health at a glance.

Ready For A Different Approach?

These stocks are moving-our analysis flagged them today. Act fast before the price catches up:

• Trump's oil boom is here - pipelines are primed to profit. Discover the 22 US stocks riding the wave.
• Rare earth metals are an input to most high-tech devices, military and defence systems and electric vehicles. The global race is on to secure supply of these critical minerals. Beat the pack to uncover the 36 best rare earth metal stocks of the very few that mine this essential strategic resource.
• The end of cancer? These 29 emerging AI stocks are developing tech that will allow early identification of life changing diseases like cancer and Alzheimer's.

This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com