Stablecoin Payments Hit $33 Trillion in 2025 as USDT and USDC Dominate Flows

• The payment system for stablecoins is expected to reach a value of $56.6 trillion in 2030.
• US dollar-pegged stablecoins, including USDT and USDC, are leading the current trends in flows, with increased adoption rates.

According to the analysis, the payment volumes for the stablecoins in the year 2025 surged 72%, reaching $33 trillion, and it is expected to attain $56.6 trillion by 2030, based on the estimates provided by Bloomberg Intelligence, indicating the expected growth in the adoption of these coins on the payment systems. This projection highlights the rising importance and relevance not only within the cryptocurrency market but also as a whole. Presently, all transactions occur through USSD-linked digital currencies like Tether’s USDT or Circle’s USDC.

This growth in flows is indicative of market trends, which include the greater involvement of institutions, the growth in Stablecoin use in emerging markets, and their use in cross-border payments. Bloomberg Intelligence highlighted that the use of stablecoins has increased in regions that have faced issues in currency fluctuations, resulting in a greater demand for a digital dollar as a settlement instrument.

Factors Propelling Stablecoins Adoption

The stablecoins are becoming popular because they make use of the best aspects of fiat money and the functionality offered by the ledger network, as stablecoins can conduct transactions at lightning speed with minimal fees compared to the existing payment channels in use today.

In addition to the usual payment and financial services, there has been a growing concern by financial institutions about digital money settlement solutions being sought by finance companies offering payment services. This is due to potential efficiency improvements in foreign exchange payments and DeFi solution services. It has been forecasted to be supported in the stablecoins market to accommodate payments of up to a $1 trillion annual payment transaction for business-to-business, peer-to-peer, and card payment transactions by the year 2030.

Among the factors that will prove crucial in ensuring growth in the future is regulation clarity. Laws such as the GENIUS Act in the USA will help create a form of standardization with regard to the regulation of stablecoins.

The stablecoins have emerged as a basic payment and settlement level and have been driven by new dollar-pegged stablecoins with ever-increasing use cases, which include institutional and international transactions, among others. With evolving regulations and developments in blockchain technology, stablecoins would prove to be pivotal in transforming cross-border transactions and flows. Thus, it is safe to assume that the payment flow through stablecoins would rise above $56.6 trillion in 2030, and this would give rise to a higher importance level of digital currency in international finance.

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