👑 Global stablecoin trend: who will lead the process❕

👑 Global stablecoin trend: who will lead the process❕
Stablecoins already compete effectively with established payment systems — and attract significant interest because transaction times are under one second and fees are below one cent. State regulators and the banking system will need to determine who sets the rules, who assumes compliance responsibility, and who controls the interface through which users access the new settlement layer.

🔻 Historical background: the first stablecoins appeared in 2014, and by 2018 the daily trading volume of the leading stablecoin, USDT, reached USD 3 billion per day. In 2019, it surpassed bitcoin by this metric. Its competitor — USDC— was also well received by the market and by September 2020 reached the point at which the asset began to be perceived as infrastructure; at that time, the total value of all USDC coins exceeded USD 2 billion, and total transaction volume reached USD 115 billion.

🔻 Current situation: according to the estimate by venture capital fund Andreessen Horowitz, in 2025 the aggregate on-chain turnover of stablecoins (including artificially inflated transaction volumes) amounted to approximately USD 46 trillion, while the adjusted figure (organic activity only) stood at USD 9 trillion.

🔻 Integration with traditional finance: by the end of 2025, Visa’s monthly stablecoin settlement volume exceededUSD 3.5 billion on an annualized basis, and numerous U.S. banks joined the issuance of payment cards. MasterCardalso began issuing cards linked to users’ cryptocurrency accounts.

🔻 Outlook: Analysts at Citigroup project that by 2030 the stablecoin payments market could expand from the current USD 326 billion to USD 1.9 trillion under a base-case scenario and up to USD 4 trillion under a bullish scenario. Annual transaction volumes could range between USD 140 trillion and USD 200 trillion. Under supportive regulatory and macroeconomic conditions, the supply of fiat-pegged cryptoassets could increase tenfold within five years. If corporations are able to settle obligations legally using these instruments, stablecoins may evolve into a systemically important settlement layer.

🔻 “If you can’t beat them, join them.” A clear example is the U.S. legislative response. The GENIUS Act, adopted last year in the United States, introduced the legal category of a “payment stablecoin” and restricted issuance rights to licensed and supervised entities. It also imposes stringent compliance and consumer protection standards: issuers must operate within the banking regulatory perimeter, implement AML/KYC frameworks, and meet capital and transparency requirements. The outcome is a structured regulatory environment designed to enhance legal certainty and market confidence.
Regulators that fail to establish comparable frameworks risk marginalization as capital, liquidity, and innovation concentrate in jurisdictions offering regulatory clarity.

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