Stablecoin Market Will Reach $3.7 Trillion by 2030, According to Citi Report

In a recent note, Citi projects that the market capitalization of stablecoins could reach a fantastic $3.7 trillion by 2030.

This growth is fueled by the increasing adoption of stablecoins in real-world applications such as payments, remittances, and institutional finance. The report highlights the importance of stablecoins in shaping the future of digital finance.

A Closer Look at the Stablecoin Market

Currently, the total market capitalization of stablecoins stands at $245.4 billion with daily trading volume reaching $86.7 billion. Tether (USDT) dominates the market with over $76 billion in the last 24 hours.

The growth highlights the potential of stablecoins as a more efficient and cheaper global means of payment. They are no longer used only in crypto transactions but are beginning to enter the conventional payment sector.

This signals a shift from its traditional use as a hedging tool in the crypto ecosystem to a broader means of payment.

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Citi’s Projections for Stablecoins in 2030

According to Ronit Ghose, Head of Global Future of Finance at Citi, stablecoins have the potential to develop into an important financial tool. Ghose highlighted that stablecoins enable global users to hold US dollars or euros in a more efficient manner. This opens up new opportunities in both global and domestic financial transactions.

In Citi’s “Future of Finance” report, two scenarios for the development of stablecoins by 2030 are described. These scenarios detail how stablecoins could integrate into the global financial system and become a mainstream means of payment, particularly in countries with limited access to finance.

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The Role of Regulation: Stablecoin or CBDC?

Regulation will play a crucial role in the evolution of stablecoins. Some countries may favor the development of stablecoins, while others might prefer to focus on central bank digital currencies (CBDCs).

These differing regulatory approaches will largely decide how quickly and widely stablecoins are adopted. According to Ghose, these diverse approaches highlight each country’s unique regulatory strategy. Ultimately, these decisions will determine the speed and breadth of stablecoins' integration into the mainstream financial system in the years to come.

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