花旗集團認為到2030

花旗集團剛剛做出了一個令人驚訝的預測：到2030年，Stablecoin市場預計將飆升至2萬億美元。不僅如此，在其樂觀的情況下

Citigroup's analysts have set their sights on an ambitious goal: reaching $2 trillion in stablecoin supply by 2030. In a more optimistic scenario, capitalization could hit $3.7 trillion by the end of the decade.

花旗集團的分析師將目光投向了一個雄心勃勃的目標：到2030年到2030年達到2萬億美元的股份。在更加樂觀的情況下，到本十年末，資本化可能達到3.7萬億美元。

This prediction comes amid surging adoption of stablecoins by financial institutions, increasingly friendly regulations, and the increasingly widespread use of stablecoins in digital payments and the DeFi world.

這一預測是由於金融機構對穩定的法規，越來越友好的法規以及在數字支付和Defi World中越來越廣泛地使用Stablecoins的情況來實現的。

Data from DefiLlama released on April 25, 2025, noted that the global stablecoin supply has even exceeded $237 billion, with almost $2.5 billion in new stablecoins added in the past week.

Defillama於2025年4月25日發布的數據指出，全球Stablecoin供應量甚至超過2370億美元，過去一周中增加了近25億美元的新Stablecoins。

Japan, Coinbase, and Stripe Push Stablecoin Adoption Further

日本，共插詞和條紋推動穩定的採用率

On the other hand, CNF has highlighted the steps of MUFG from Japan which is completing the first fully regulated stablecoin in its country through the Progmat Coin platform. Japan even plans to classify Bitcoin as an official financial product, opening a new way for digital assets to compete with traditional instruments.

另一方面，CNF強調了日本MUFG的步驟，該步驟正在通過Progmat Coin平台完成第一個在其國的全面監管的Stablecoin。日本甚至計劃將比特幣歸類為官方金融產品，為數字資產與傳統工具競爭打開了新的方式。

If a country as big as Japan is starting to open its doors that wide, you can imagine how strong the flow of adoption will be in other regions.

如果一個像日本這樣大的國家開始開放，那麼您可以想像，在其他地區，收養的流動將有多強。

Furthermore, Coinbase and PayPal recently made a breakthrough by eliminating transaction fees for the PYUSD stablecoin. Users can even exchange it directly to US dollars, and the plan is for merchants around the world to accept payments using PYUSD. This is not just about regular digital transactions, but also plans to expand into DeFi and global payment applications.

此外，Coinbase和Paypal最近通過消除Pyusd Stablecoin的交易費用取得了突破。用戶甚至可以將其直接兌換給美元，該計劃是為了讓全球商人使用Pyusd接受付款。這不僅涉及常規數字交易，而且還計劃擴展到DEFI和全球付款應用程序。

Stripe doesn’t want to be left behind. On April 25, 2025, Stripe announced a trial of their stablecoin product after a decade of development. Imagine, if Stripe really integrates stablecoins into everyday payment systems, paying for coffee at your favorite cafe might only take a few seconds without the hassle of cards or cash.

條紋不想被拋在後面。 2025年4月25日，Stripe在經過十年的發展後宣布了對Stablecoin產品的試驗。想像一下，如果Stripe確實將Stablecoins整合到日常支付系統中，那麼在您喜歡的咖啡館購買咖啡可能只需幾秒鐘就沒有卡片或現金。

New Payment Trends Could Change How We Get Paid

新的付款趨勢可能會改變我們的付款方式

However, there are other major dynamics driving this trend. Eric Malley, a digital analyst, projects that stablecoin adoption could grow up to 15 times by 2030. Not just empty numbers, but supported by strong reasons such as reducing cross-border payment costs by up to 60%, as well as the use of stablecoins in brand loyalty programs and payroll systems.

但是，還有其他主要動態推動了這一趨勢。數字分析師埃里克·馬利（Eric Malley）預測，到2030年，穩定性的採用率可能會長達15次。不僅是空的數字，而且還得到了諸如將跨境支付成本降低高達60％以及在品牌忠誠度計劃和薪資系統中使用Stablecoins的強烈理由支持。

Imagine if your monthly salary no longer goes through the bank, but is directly disbursed in the form of stablecoins to your digital wallet. No need to queue, no need for deductions.

想像一下，如果您的每月薪水不再通過銀行，而是直接以數字錢包的穩定幣形式發放。無需排隊，無需扣除。

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相關框架

Furthermore, with the increasingly clear direction of legislation in the US and adoption by large corporations, stablecoins are starting to become a daily payment instrument that is taken seriously, not just an “alternative currency” as before.

此外，隨著美國立法的越來越明確的方向和大型公司的採用，Stablecoins開始成為一種日常支付工具，而不僅僅是像以前那樣是“替代貨幣”。