Galaxy predice que las stablecoins superarán el volumen de transacciones ACH en 2026

cointelegraphPublicado em 2025-12-19Última atualização em 2025-12-19

Resumo

Según un pronóstico de Galaxy Research, las stablecoins podrían superar el volumen de transacciones del sistema ACH de EE.UU. en 2026, impulsadas por la claridad regulatoria y una mayor adopción. Actualmente, las transacciones con stablecoins ya superan a las de redes como Visa y alcanzan la mitad del volumen del ACH. El suministro de stablecoins crece a una tasa anual del 30-40%, y se espera que la implementación de la Ley GENIUS a principios de 2026 acelere aún más su uso. Además, Galaxy proyecta que Bitcoin podría alcanzar los $250,000 para fines de 2027. El mercado de stablecoins, valorado en $309 mil millones, está dominado por USDT y USDC, pero nuevas entradas como Western Union, Sony Bank y SoFi Technologies están lanzando sus propias stablecoins. Se anticipa una consolidación en 2026, donde los usuarios probablemente adoptarán solo una o dos stablecoins con la mayor aceptación.

Las stablecoins podrían procesar más volumen de transacciones que el sistema estadounidense de Automated Clearing House (ACH) en 2026, a medida que la claridad regulatoria y la creciente adopción amplíen su uso, según un nuevo pronóstico.

Galaxy Research, el brazo de investigación de la compañía de activos digitales Galaxy Digital, señaló los datos de transacciones existentes y los desarrollos regulatorios para respaldar su predicción, destacando que "las transacciones con stablecoins ya eclipsan a las principales redes de tarjetas de crédito como Visa y ahora procesan aproximadamente la mitad del volumen de transacciones del sistema de cámaras de compensación automatizadas (ACH)".

Thad Pinakiewicz, vicepresidente de investigación, dijo que la oferta de stablecoins ha seguido creciendo a una tasa de crecimiento anual compuesto del 30% al 40%, con volúmenes de transacción aumentando junto con la emisión. Galaxy también citó la implementación esperada de las definiciones bajo la Ley GENIUS a principios de 2026 como un factor que respalda un mayor crecimiento en el uso de stablecoins.

Volumen de stablecoins vs. otros sistemas financieros. Fuente: Galaxy Digital

El documento también incluye predicciones para el precio de Bitcoin (BTC), escribiendo que podría alcanzar los $250,000 para fines de 2027. Según Alex Thorn, jefe de investigación de Galaxy Research, 2026 es "demasiado caótico para predecir, aunque que Bitcoin alcance nuevos máximos históricos en 2026 sigue siendo posible".

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El mercado de stablecoins vinculadas al dólar se expande

Según datos de DefiLlama, la capitalización de mercado de las stablecoins actualmente se sitúa en alrededor de $309 mil millones. Si bien USDt (USDT) de Tether y USDC (USDC) de Circle continúan dominando, un número creciente de instituciones financieras y empresas de pagos han ingresado a la carrera de las stablecoins en los últimos meses.

Capitalización de mercado de stablecoins. Fuente: DefiLlama

En octubre, Western Union anunció planes para lanzar su propia stablecoin vinculada al dólar estadounidense, el US Dollar Payment Token, que se construirá en la blockchain de Solana y será emitida por Anchorage Digital Bank como parte de una red de liquidación de activos digitales más amplia.

Se informó que Sony Bank estaba preparando una stablecoin vinculada al dólar estadounidense para su uso en el ecosistema estadounidense de Sony, incluidos juegos de PlayStation, suscripciones y contenido de anime. Se espera que la stablecoin se lance en 2026.

El jueves, SoFi Technologies lanzó SoFiUSD, una stablecoin de dólar estadounidense totalmente respaldada emitida por su subsidiaria bancaria, SoFi Bank. La compañía dijo que el token debutará en Ethereum y está diseñado para respaldar liquidaciones de bajo costo para bancos, fintechs y plataformas empresariales.

Jianing Wu, asociada de Galaxy Research, dijo que espera que las stablecoins asociadas con TradFi se consoliden en 2026, ya que es poco probable que los usuarios y comerciantes adopten una larga lista de dólares digitales y, en cambio, favorecerán uno o dos con la "aceptación más amplia".

Revista: Atacar Bitcoin con computación cuántica sería una pérdida de tiempo: Kevin O’Leary

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Perguntas relacionadas

Q¿Qué predice Galaxy Research sobre el volumen de transacciones de stablecoins en comparación con el sistema ACH para 2026?

AGalaxy Research predice que las stablecoins procesarán más volumen de transacciones que el sistema ACH de EE. UU. en 2026, impulsado por la claridad regulatoria y la creciente adopción.

Q¿Cuál es la tasa de crecimiento anual compuesto de la oferta de stablecoins según Thad Pinakiewicz?

AThad Pinakiewicz, vicepresidente de investigación, señaló que la oferta de stablecoins ha crecido a una tasa anual compuesta del 30% al 40%.

Q¿Qué precio podría alcanzar Bitcoin (BTC) para fines de 2027 según Galaxy Research?

ASegún Galaxy Research, Bitcoin (BTC) podría alcanzar los $250,000 para fines de 2027.

Q¿Qué empresas han lanzado o planean lanzar stablecoins vinculados al dólar según el artículo?

AEmpresas como Western Union, Sony Bank y SoFi Technologies han lanzado o planean lanzar stablecoins vinculados al dólar, como el US Dollar Payment Token de Western Union y SoFiUSD de SoFi.

Q¿Qué espera Jianing Wu de Galaxy Research respecto a las stablecoins asociadas con TradFi en 2026?

AJianing Wu espera que las stablecoins asociadas con TradFi se consoliden en 2026, ya que usuarios y comerciantes probablemente adoptarán una o dos con la 'aceptación más amplia' en lugar de una larga variedad.

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