Stablecoin payments to hit $1 trillion annually by 2030: report

Stablecoin payments could reach an annual value of $1 trillion by 2030, according to a joint report from crypto market maker Keyrock and Latin American exchange Bitso [1]. The projection is based on increasing adoption by businesses, payment firms, and individuals who are using stablecoins for faster and more cost-effective transactions. The report, published in late July and early August 2025, underscores that stablecoins are digital currencies pegged to traditional assets like the U.S. dollar, offering stability and efficiency [2].

Compared to traditional banking methods, stablecoins significantly reduce transaction costs and settlement times. For example, sending $200 via traditional banking may cost up to 13% in fees and take several days, while stablecoin transactions can be completed in seconds for a fraction of the cost [3]. The report highlights the foreign exchange (FX) market—where $7.5 trillion is traded daily—as a key growth area. Currently, most FX trades are settled two days after the transaction (T+2) using multiple banks. Stablecoins could streamline this process by enabling direct currency swaps, reducing both time and risk [4].

The report forecasts that stablecoins could account for up to 12% of global cross-border payment flows by 2030, provided regulatory and liquidity challenges are addressed [5]. Currently, stablecoins make up less than 3% of the $195 billion global remittance market. However, the report anticipates a rapid increase in market share as better regulation and broader participation from fintech and traditional financial institutions drive adoption [6].

Recent regulatory developments are supporting this trend. In July 2025, U.S. President Donald Trump signed the Genius Act into law, granting legal recognition to stablecoins [7]. In the European Union, the Markets in Crypto-Assets (MiCA) regulations now provide a compliant framework for stablecoin use across the bloc [8]. These changes are attracting a range of new participants, including payment processors, traditional banks, and fintech firms, who are increasingly investing in stablecoin infrastructure alongside crypto-native leaders like Tether and Circle [9].

Several major companies are expanding their stablecoin offerings by launching their own blockchains to capture more value from transactions. For instance, payment firm Stripe is reportedly collaborating with MetaMask on a blockchain initiative, while Circle has launched its own blockchain called Arc [10]. Devere Bryan, general manager at First Digital, stated, “In the long run, we believe every financial institution will have to support stablecoin infrastructure in some form” [11].

The stablecoin market is currently valued at over $260 billion and is projected to influence global monetary policy. As of 2024, stablecoins had grown from 0.04% to 1% of the U.S. M2 money supply, with projections suggesting they could reach between 2.6% and 10.4% by 2030 [12]. If this growth continues, stablecoins could represent between $750 billion and $3 trillion in U.S. M2 by 2030 [13]. These figures highlight the potential of stablecoins to not only reshape the payments industry but also the broader financial landscape.

Sources:

[1] Stablecoins Could to Hit $1 Trillion by 2030: Report (https://www.cryptotimes.io/2025/08/16/stablecoins-could-to-hit-1-trillion-by-2030-report/)

[2] Stablecoin Payments Projected to Top $1T Annually by 2030 (https://finance.yahoo.com/news/stablecoin-payments-projected-top-1t-135500961.html)

[3] Stablecoin Adoption Gains Momentum as On-Ramp Fees (https://www.ainvest.com/news/stablecoin-adoption-gains-momentum-ramp-fees-drop-sharply-2508/)

[4] Stablecoins Will Account for 12% of Global Payments by 2030 (https://finance.yahoo.com/news/stablecoins-account-12-global-payments-123040720.html)

[12] Report Predicts $1 Trillion Stablecoin Payments Annually (https://crypto-economy.com/report-predicts-1-trillion-stablecoin-payments-annually-by-2030/)

[13] Ripple's Post (https://www.linkedin.com/posts/ripple_stablecoin-payments-the-trillion-dollar-activity-736179****565618176-lOIz)