Galaxy Memprediksi Stablecoin Akan Melampaui Volume Transaksi ACH pada 2026

cointelegraphPubblicato 2025-12-19Pubblicato ultima volta 2025-12-19

Introduzione

Menurut laporan Galaxy Research, stablecoin diprediksi akan melampaui volume transaksi sistem Automated Clearing House (ACH) AS pada tahun 2026. Hal ini didorong oleh kejelasan regulasi dan adopsi yang meningkat. Saat ini, transaksi stablecoin bahkan telah melampaui jaringan kartu kredit besar seperti Visa dan setara dengan setengah volume ACH. Pasokan stablecoin tumbuh 30-40% per tahun, dengan volume transaksi yang terus naik. Implementasi GENIUS Act pada awal 2026 juga akan mendukung pertumbuhan ini. Laporan ini juga memprediksi harga Bitcoin bisa mencapai $250.000 pada akhir 2027. Pasar stablecoin yang dipatok ke dolar AS kini bernilai $309 miliar, didominasi USDT dan USDC. Perusahaan seperti Western Union, Sony Bank, dan SoFi telah meluncurkan stablecoin mereka. Galaxy memperkirakan konsolidasi stablecoin dari institusi tradisional pada 2026, dengan hanya beberapa yang paling banyak digunakan yang akan dominan.

Stablecoin berpotensi memproses volume transaksi lebih besar daripada sistem Automated Clearing House (ACH) AS pada tahun 2026, seiring dengan kejelasan regulasi dan adopsi yang meningkat yang memperluas penggunaannya, menurut perkiraan terbaru.

Galaxy Research, divisi penelitian perusahaan aset digital Galaxy Digital, mengacu pada data transaksi yang ada dan perkembangan regulasi untuk mendukung prediksinya, dengan mencatat bahwa "transaksi stablecoin sudah melampaui jaringan kartu kredit besar seperti Visa dan kini memproses sekitar setengah volume transaksi sistem automated clearing house (ACH)."

Thad Pinakiewicz, wakil presiden penelitian, mengatakan pasokan stablecoin terus tumbuh pada tingkat pertumbuhan tahunan gabungan (CAGR) 30-40%, dengan volume transaksi meningkat seiring dengan penerbitannya. Galaxy juga menyebutkan implementasi yang diharapkan dari definisi di bawah GENIUS Act pada awal 2026 sebagai faktor yang mendukung pertumbuhan lebih lanjut dalam penggunaan stablecoin.

*Volume stablecoin vs. sistem keuangan lainnya. Sumber:* *Galaxy Digital*

Makalah ini juga membawa prediksi untuk harga Bitcoin (BTC), yang menuliskan bahwa harganya bisa mencapai $250.000 pada akhir 2027. Menurut kepala penelitian perusahaan Galaxy Research Alex Thorn, tahun 2026 "terlalu kacau untuk diprediksi, meskipun Bitcoin mencapai rekor tertinggi baru pada 2026 masih mungkin."

Related: Coinbase 'hati-hati optimis' untuk 2026 saat crypto mendekati titik belok institusional

Pasar stablecoin yang dipatok dolar mengembang

Menurut data dari DefiLlama, kapitalisasi pasar stablecoin saat ini sekitar $309 miliar. Sementara USDt (USDT) milik Tether dan USDC (USDC) milik Circle terus mendominasi, semakin banyak lembaga keuangan dan perusahaan pembayaran yang memasuki perlombaan stablecoin dalam beberapa bulan terakhir.

*Kapitalisasi pasar stablecoin. Sumber:* *DefiLlama*

Pada bulan Oktober, Western Union mengumumkan rencana untuk meluncurkan stablecoin-nya sendiri yang dipatok dolar AS, US Dollar Payment Token, yang akan dibangun di blockchain Solana dan diterbitkan oleh Anchorage Digital Bank sebagai bagian dari jaringan penyelesaian aset digital yang lebih luas.

Dilaporkan bahwa Sony Bank sedang mempersiapkan stablecoin yang dipatok dolar AS untuk digunakan di seluruh ekosistem AS Sony, termasuk game PlayStation, langganan, dan konten anime. Stablecoin ini diharapkan diluncurkan pada tahun 2026.

Pada hari Kamis, SoFi Technologies meluncurkan SoFiUSD, sebuah stablecoin dolar AS yang sepenuhnya dijamin yang diterbitkan oleh anak perusahaannya di bidang perbankan, SoFi Bank. Perusahaan mengatakan token ini akan debut di Ethereum dan dirancang untuk mendukung penyelesaian biaya rendah bagi bank, fintech, dan platform perusahaan.

Associate Galaxy Research Jianing Wu mengatakan dia mengharapkan stablecoin yang bermitra dengan TradFi akan terkonsolidasi pada tahun 2026, karena pengguna dan pedagang tidak mungkin mengadopsi daftar panjang dolar digital dan justru akan memilih satu atau dua dengan "penerimaan terluas".

Majalah: Serangan kuantum terhadap Bitcoin akan membuang-buang waktu: Kevin O’Leary

Crypto di tendenza

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Domande pertinenti

QApa prediksi Galaxy Research mengenai volume transaksi stablecoin dibandingkan dengan sistem ACH pada tahun 2026?

AGalaxy Research memprediksi bahwa stablecoin akan memproses lebih banyak volume transaksi daripada sistem Automated Clearing House (ACH) AS pada tahun 2026.

QApa faktor kunci yang mendukung pertumbuhan penggunaan stablecoin menurut laporan Galaxy?

AFaktor kunci termasuk kejelasan regulasi, adopsi yang meningkat, dan implementasi yang diharapkan dari definisi di bawah GENIUS Act pada awal 2026.

QBerapa nilai kapitalisasi pasar stablecoin saat ini menurut data DefiLlama?

AKapitalisasi pasar stablecoin saat ini sekitar $309 miliar menurut data dari DefiLlama.

QPerusahaan mana saja yang baru-baru ini meluncurkan stablecoin yang dipatok ke dolar AS?

AWestern Union (US Dollar Payment Token), Sony Bank (stablecoin untuk ekosistem AS), dan SoFi Technologies (SoFiUSD) telah meluncurkan atau mengumumkan stablecoin yang dipatok ke dolar AS.

QApa prediksi Galaxy Research mengenai harga Bitcoin (BTC) pada akhir tahun 2027?

AGalaxy Research menulis bahwa Bitcoin (BTC) dapat mencapai $250.000 pada akhir tahun 2027.

Letture associate

Private Credit in US Dollar

Stablecoins are evolving into a new type of money market fund, channeling crypto deposits into the $2 trillion private credit market. This mirrors the 1970s innovation where money market funds pooled small deposits to buy high-yield government securities, bypassing bank restrictions. Today, platforms like Apollo's ACRED tokenized fund and Figure's on-chain lending system allow stablecoin holders to access institutional private credit strategies with no minimum investment, offering yields of 8-12%. On-chain tokenization enables greater liquidity and DeFi composability (e.g., using tokens as collateral for leveraged positions) compared to traditional, locked-up private credit funds. Consequently, on-chain private credit has grown 15x in a year to $5.87 billion, though it remains a tiny fraction (0.3%) of the global market. However, this model carries significant risks, as illustrated by the failure of Goldfinch. Launched in 2021, it directed crypto deposits to motorcycle loans in Kenya and Nigeria. Critical issues included a lack of local oversight, leading to unauthorized fund transfers and borrower defaults. With $56 million now trapped in non-performing loans, its collapse highlights that while blockchain streamlines capital transfer, the essential 90% of lending—underwriting, monitoring, and recovery—remains a costly, localized challenge. Success requires robust, traditional credit infrastructure, not just on-chain execution.

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