Bloomberg: Stablecoin Payment Flows Could Reach $56.6T by 2030
Stablecoin payment flows could reach $56.6 trillion by 2030, according to Bloomberg Intelligence, a trajectory that would position stablecoins as a major payments mechanism in global finance.
Bloomberg reported stablecoin payment flows of $2.9 trillion in 2025. Achieving the 2030 projection would require an approximately 81% compounded annual growth rate over the next five years, driven by greater institutional use and increased reliance on dollar-pegged assets in economies facing inflation and macroeconomic instability.
Bloomberg Intelligence analyzed stablecoin payment flows from 2024 to 2025 and modeled projections through 2030.
USDT leads centralized venues, while USDC dominates DeFi
Bloomberg noted that Tether (USDT) remains the most utilized stablecoin for day-to-day payments, corporate transfers, and savings, while Circle’s USDC (USDC) is the preferred choice across decentralized finance platforms.
Stablecoin flows increased 81% year over year in 2025; however, activity share on decentralized crypto platforms declined, Bloomberg reported, citing data from analytics firm Artemis.
Artemis co-founder Anthony Yim attributed the shift to accelerating adoption of U.S. dollar–denominated stablecoins in emerging markets amid an “increasingly unstable geopolitical landscape.”
Despite this change in mix, USDC recorded higher transaction volume in 2025, reaching $18.3 trillion versus USDT’s $13.3 trillion. Together, the two stablecoins represented more than 95% of a record $33 trillion in transaction volume last year, a 72% year-on-year increase.
USDT continues to lead by market value, with a $186.9 billion market capitalization compared with USDC’s $74.9 billion.
The overall stablecoin market stands at $312 billion. In April, the U.S. Treasury estimated the sector could grow to $2 trillion by 2028.
Nation-state frameworks and institutional deployments
Following the signing of the GENIUS Act into law by U.S. President Donald Trump in July, Canada and the United Kingdom have renewed efforts to implement stablecoin regulatory frameworks in 2026 or the near term, signaling broader integration of stablecoins into mainstream financial systems.
Institutional adoption is also expanding. Remittance provider Western Union plans to launch a stablecoin settlement system on the Solana blockchain in the first half of 2026, while MoneyGram and Zelle are rolling out stablecoin-based solutions aimed at accelerating cross-border payments.
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