Bloomberg dự đoán đột phá: Khối lượng giao dịch stablecoin có thể đạt 56 nghìn tỷ USD vào năm 2030, định hình lại hệ thống thanh toán toàn cầu

Bloomberg Industry Research’s latest forecast shows that stablecoin payment transaction volume is expected to surge to approximately $56.6 trillion by 2030, with stablecoins potentially evolving from crypto financial tools into core payment infrastructure within the global financial system.

Data indicates that global stablecoin payment transaction volume reached approximately $2.9 trillion in 2025. To reach $56.6 trillion within five years would require stablecoin transaction scale to maintain approximately 81% compound annual growth rate. Bloomberg believes the core driver of this high-speed growth stems from continuous institutional user entry and strong demand for dollar-backed stablecoins in countries and regions facing high inflation and currency depreciation.

In terms of specific structure, USDT and USDC show evident differentiation. Bloomberg points out that Tether-issued USDT dominates in centralized finance (CeFi) scenarios, widely used for daily payments, cross-border settlements, and fund storage; while Circle-issued USDC has greater advantages in decentralized finance (DeFi) sectors, serving as the most commonly used stablecoin in on-chain protocols and applications.

According to statistics from crypto data platform Artemis, stablecoin overall transaction volume grew 81% year-over-year in 2025. Among these, USDC’s annual transaction volume reached $18.3 trillion, exceeding USDT’s $13.3 trillion. Nevertheless, from a market capitalization perspective, USDT remains in first place with approximately $186.9 billion, while USDC stands at approximately $74.9 billion. The two combined account for over 95% of the approximately $33 trillion total stablecoin transaction volume last year.

At the macro level, adoption speed by nations and institutions is accelerating. Following U.S. President Trump’s signature of the GENIUS Act in July, countries including Canada and the United Kingdom are reinvigorating stablecoin regulatory frameworks, with plans for implementation around 2026. Meanwhile, payment giants including Western Union, MoneyGram, and Zelle are exploring blockchain-based stablecoin settlement solutions, with certain systems to be deployed on high-performance networks such as Solana.

In summary, whether from transaction scale, institutional participation, or regulatory attitude shifts, stablecoins are accelerating their transition from “crypto infrastructure” to “global payment layer,” with their role in the future financial system being repriced.