花旗集团认为到2030

花旗集团刚刚做出了一个令人惊讶的预测：到2030年，Stablecoin市场预计将飙升至2万亿美元。不仅如此，在其乐观的情况下

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.

花旗集团的分析师将目光投向了一个雄心勃勃的目标：到2030年到2030年达到2万亿美元的股份。在更加乐观的情况下，到本十年末，资本化可能达到3.7万亿美元。

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.

这一预测是由于金融机构对稳定的法规，越来越友好的法规以及在数字支付和Defi World中越来越广泛地使用Stablecoins的情况来实现的。

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于2025年4月25日发布的数据指出，全球Stablecoin供应量甚至超过2370亿美元，过去一周中增加了近25亿美元的新Stablecoins。

Japan, Coinbase, and Stripe Push Stablecoin Adoption Further

日本，共插词和条纹推动稳定的采用率

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强调了日本MUFG的步骤，该步骤正在通过Progmat Coin平台完成第一个在其国的全面监管的Stablecoin。日本甚至计划将比特币归类为官方金融产品，为数字资产与传统工具竞争打开了新的方式。

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.

如果一个像日本这样大的国家开始开放，那么您可以想象，在其他地区，收养的流动将有多强。

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最近通过消除Pyusd Stablecoin的交易费用取得了突破。用户甚至可以将其直接兑换给美元，该计划是为了让全球商人使用Pyusd接受付款。这不仅涉及常规数字交易，而且还计划扩展到DEFI和全球付款应用程序。

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.

条纹不想被抛在后面。 2025年4月25日，Stripe在经过十年的发展后宣布了对Stablecoin产品的试验。想象一下，如果Stripe确实将Stablecoins整合到日常支付系统中，那么在您喜欢的咖啡馆购买咖啡可能只需几秒钟就没有卡片或现金。

New Payment Trends Could Change How We Get Paid

新的付款趋势可能会改变我们的付款方式

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，还有其他主要动态推动了这一趋势。数字分析师埃里克·马利（Eric Malley）预测，到2030年，稳定性的采用率可能会长达15次。不仅是空的数字，而且还得到了诸如将跨境支付成本降低高达60％以及在品牌忠诚度计划和薪资系统中使用Stablecoins的强烈理由支持。

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.

想象一下，如果您的每月薪水不再通过银行，而是直接以数字钱包的稳定币形式发放。无需排队，无需扣除。

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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，随着美国立法的越来越明确的方向和大型公司的采用，Stablecoins开始成为一种日常支付工具，而不仅仅是像以前那样是“替代货币”。