Stablecoin payment flows could reach $56.6 trillion by 2030, according to Bloomberg Intelligence. The research group said that scale would turn stablecoins into a major global payment tool.
Bloomberg Intelligence put stablecoin payment flows at $2.9 trillion in 2025. It said the path to $56.6 trillion implies an 81% compounded annual growth rate. CAGR means average annual growth over a set period.
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The note linked the forecast to institutional stablecoin adoption and expanding use in economies facing inflation pressure.
It said users in unstable environments often turn to dollar linked stablecoins for payments and saving.
Stablecoin Payment Flows 2030 Forecast Points to 81% CAGR
Stablecoin flows 2030 math starts with the 2025 baseline. Bloomberg Intelligence used $2.9 trillion for that year. It then projected a move to $56.6 trillion by 2030.
That jump requires sustained growth. The report described the implied pace as 81% CAGR over the next five years. It treated the metric as a payments trend, not only a trading trend.
The same framing also connects to adoption. Bloomberg said more institutions now test stablecoins for settlement and transfers. At the same time, users in high inflation economies keep using dollar stablecoins.
USDT and USDC Split CeFi Stablecoins and DeFi Stablecoins
USDT still leads many everyday uses, Bloomberg said. It described USDT as common for payments, business transfers, and savings style use. That keeps CeFi stablecoins relevant in daily activity.
However, USDC led on DeFi stablecoins, Bloomberg said. DeFi refers to decentralized applications on blockchains. CeFi refers to centralized platforms, such as exchanges and custodians.
Bloomberg also compared volumes. It reported USDC reached $18.3 trillion in 2025 transaction volume. It reported USDT reached $13.3 trillion in 2025 transaction volume.
Stablecoin Transaction Volume Hit $33T as DeFi Share Fell
Stablecoin transaction volume reached a record $33 trillion in 2025, Bloomberg said. It reported this as a 72% year on year increase. It also said USDT and USDC made up more than 95% of that total.
Bloomberg reported another shift. It said stablecoin flows rose 81% year on year in 2025. Yet it added that the share of volume on decentralized crypto platforms fell, based on Artemis data.
Anthony Yim, co founder of Artemis, linked the change to rising dollar stablecoin use in emerging economies. He attributed it to an “increasingly unstable geopolitical landscape,” Bloomberg reported.
Stablecoin Market Cap Reached $312B as Rules and Rails Expand
The stablecoin market cap stood near $312 billion, Bloomberg said. It also cited a U.S. Treasury estimate from April that the market could reach $2 trillion by 2028.
Regulation also entered the story. The article said President Donald Trump signed the GENIUS Act into law in July. It added that Canada and the UK renewed efforts to build stablecoin frameworks in 2026 or soon after.
Payments companies also moved toward settlement systems. The article said Western Union planned a Solana stablecoin settlement system in the first half of 2026.
It also said MoneyGram and Zelle were rolling out stablecoin solutions aimed at faster cross border payments.
Disclosure:This article does not contain investment advice or recommendations. Every investment and trading move involves risk, and readers should conduct their own research when making a decision.
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Tatevik Avetisyan is an editor at Kriptoworld who covers emerging crypto trends, blockchain innovation, and altcoin developments. She is passionate about breaking down complex stories for a global audience and making digital finance more accessible.
📅 Published: January 9, 2026 • 🕓 Last updated: January 9, 2026
