Bloomberg Industry Research’s latest forecast shows that by 2030, the stablecoin payment transaction volume is expected to rise to approximately $56.6 trillion, and stablecoins may evolve from a crypto financial instrument into one of the core payment infrastructures in the global financial system.
Data indicates that the global stablecoin payment transaction volume in 2025 will be about $2.9 trillion. To reach $56.6 trillion in five years, the transaction scale would need to maintain an approximate compound annual growth rate of 81%. Bloomberg believes that the core drivers of this rapid growth come from continuous institutional user entry and the strong demand for USD stablecoins in some countries and regions amid high inflation and currency devaluation.
In terms of specific structure, USDT and USDC show a clear differentiation. Bloomberg points out that Tether’s USDT dominates in centralized finance (CeFi) scenarios, widely used for daily payments, cross-border settlements, and store of value; while Circle’s USDC has advantages in decentralized finance (DeFi), being the most commonly used stablecoin in on-chain protocols and applications.
According to data platform Artemis, the overall stablecoin transaction volume in 2025 will grow by 81% year-over-year. Among them, USDC’s annual transaction volume will reach $18.3 trillion, higher than USDT’s $13.3 trillion. Nevertheless, from a market capitalization perspective, USDT remains the leader with a market cap of about $186.9 billion, while USDC is approximately $74.9 billion. Together, they account for over 95% of the total stablecoin transaction volume of about $33 trillion last year.
On a macro level, the adoption speed by countries and institutions is accelerating. After U.S. President Trump signed the GENIUS Act in July, countries like Canada and the UK are re-advancing stablecoin regulatory frameworks, planning to implement them around 2026. Meanwhile, payment giants such as Western Union, MoneyGram, and Zelle are exploring blockchain-based stablecoin settlement schemes, with some systems to be deployed on high-performance networks like Solana.
Overall, whether in terms of transaction scale, institutional participation, or regulatory attitude changes, stablecoins are accelerating from “crypto infrastructure” toward the “global payment layer,” and their role in the future financial system is being redefined.
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