Stablecoins could reach $1.5 quadrillion by 2035 – Here’s how

ambcryptoPublished on 2026-04-09Last updated on 2026-04-09

Abstract

Stablecoin usage has surged over the past decade, with significant growth accelerated by the passage of the GENIUS Act in 2025, pushing the stablecoin value to $319 billion. According to Chainalysis, adjusted volume rose 133% from 2023 to reach $28 trillion in 2025, with monthly volume hitting a record $7.2 trillion—surpassing major traditional payment channels like U.S. ACH and Visa. Transaction volume exceeded 8.1 trillion through March 2026, and active addresses grew to 51.6 million. Chainalysis projects that, if current growth continues, stablecoin volume could exceed $1.5 quadrillion by 2035, driven by generational wealth transfers ($80–100 trillion moving to crypto-friendly younger generations) and point-of-sale adoption. This would surpass the estimated $1 quadrillion in global cross-border payments. Further adoption, including real-world asset tokenization and supportive legislation like the Clarity Act, could accelerate this trajectory.

Stablecoin usage has surged over the past decade with rising adoption and mainstream acceptance. The passage of the GENIUS Act by the U.S. Congress in 2025 accelerated this growth, pushing stablecoin value to $319 billion.

This global financial shift is driving the integration of traditional and decentralized finance, with stablecoins at the center of market transformation and projected to outpace traditional finance.

Stablecoin monthly volume hits $7.2T

According to the Chainalysis report, Stablecoin Adjusted Volume rose 133% from 2023 to hit $28 trillion in 2025. This showed extensive growth in the economic value of stablecoins.

At press time, monthly volume reached a historical high of $7.2 trillion, surpassing major traditional payment channels such as U.S. ACH and Visa.

The growth has indicated the extensive usage of stablecoin in everyday life across all walks of life. In fact, Artemis data showed that both transactions and addresses have also risen significantly.

Adjusted Transaction Volume exceeded 8.1 trillion through March 2026, with the number of transactions nearing 2 trillion. At the same time, Stablecoin Addresses have surged to 51.6 million over the last 30 days, reflecting this sustained usage.

Usage to surpass $1.5 quadrillion by 2035

Chainalysis projects that if current growth continues, stablecoin volume could exceed $719 trillion by 2035. Notably, two key drivers are generational wealth transfers and point‐of‐sale adoption. Between $80 and $100 trillion in wealth is expected to move from boomers to millennials and Gen Z, nearly half of whom already hold crypto.

This transition alone could add more than $508 trillion in stablecoin transaction volume. At the same time, stablecoins may become default payment systems, further accelerating growth. Together, these forces could push stablecoin volume to $1.5 quadrillion by 2035, surpassing the estimated $1 quadrillion in global cross‐border payments.

Even more importantly, intergenerational wealth transfers and shifts in payment infrastructure could accelerate adoption. This will see a surge in real-world asset tokenization, prediction markets, and other TradFi-to-crypto products.

Institutions and other players in TradFi will be left at a crossroads: either fully embrace crypto or see assets migrate. As many users continue to adopt stablecoin, the growth is barely starting.

Finally, if the Clarity Act, currently stalled in the U.S. Senate, is passed, stablecoins will gain a clearer growth path.

Final Summary

Stablecoin Adjusted Volume rose 133% from 2023 to hit $28 trillion in 2025, with a monthly volume of $7.2 trillion.
Stablecoin volume is projected to hit $1.5 quadrillion by 2035, surpassing the estimated $1 quadrillion in global cross-payments

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