Stablecoins could hit around $56.6 trillion in payment flows by 2030, according to Bloomberg Intelligence. The growth to get there is quite remarkable, with a forecasted 81 per cent compound annual growth rate for the next five years. Institutions are starting to use them more, as are countries. This part gets a bit complex to explain, but the adoption by larger players is likely to drive progress. However, not all details are yet set in stone.

Institutional Adoption and Regulatory Clarity

Canada, the US, and the UK are making efforts to put regulatory frameworks in place for these coins as the GENIUS Act gets passed in the US. These actions represent a widespread trend to connect stablecoins with mainstream finance.

On the other hand, institutional adoption of stablecoins is also becoming more prevalent. Western Union is partnering with Solana blockchain to facilitate stablecoin settlement. Similarly, MoneyGram and Zelle are introducing stablecoin-based solutions for speedy cross-border payments.

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Stablecoin Market Dynamics

Tether’s USDT largely rules centralised finance (CeFi) while Circle’s USDC dominates decentralised finance (DeFi). Even though USDT is the leading coin, in 2025, USDC, by transaction volume, surpassed it with $18.3 trillion against the $13.3 trillion of USDT. Together, the two coins contributed to over 95% of the last year’s record $33 trillion transaction volume, which represents a 72% increase from the previous year.

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Opportunities and Challenges Ahead

Along with this coins becoming increasingly important in global finance, whether they will be used widely by institutions and whether the regulations will be clear are the major factors that will determine the level of their growth. Basically, these coins can be a great medium for enabling fast and cheap cross-border payments, but on the other hand, they can bring about disruptions to the existing banking system and create challenges for regulators.

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