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

ambcryptoPublicado em 2026-04-09Última atualização em 2026-04-09

Resumo

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

Perguntas relacionadas

QWhat was the percentage increase in Stablecoin Adjusted Volume from 2023 to 2025, and what was the total value reached in 2025?

AStablecoin Adjusted Volume rose 133% from 2023 to hit $28 trillion in 2025.

QWhat is the projected total stablecoin transaction volume by 2035, and how does it compare to the estimated value of global cross-border payments?

AStablecoin volume is projected to reach $1.5 quadrillion by 2035, surpassing the estimated $1 quadrillion in global cross-border payments.

QWhat are the two key drivers identified by Chainalysis that could push stablecoin volume to $1.5 quadrillion by 2035?

AThe two key drivers are generational wealth transfers (from boomers to millennials and Gen Z) and the adoption of stablecoins as a default payment system at the point-of-sale.

QWhat recent U.S. legislation is credited with accelerating the growth of stablecoins, and what is the name of the act currently stalled in the Senate that could provide further clarity?

AThe GENIUS Act, passed by the U.S. Congress in 2025, accelerated stablecoin growth. The Clarity Act is currently stalled in the U.S. Senate and could provide a clearer growth path if passed.

QWhat does the article state about the current monthly stablecoin volume compared to traditional payment channels like U.S. ACH and Visa?

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

Leituras Relacionadas

Qualcomm: AI Hype Subsides, When Will Smartphones Emerge from the Gloom?

Qualcomm reported its Q3 FY2026 results (ending June 2026), with revenue of $9.95B, down 4% YoY but above expectations. Gross margin declined to 53.1%, pressured by rising costs across manufacturing and memory. Key business segments showed mixed performance: Handset revenue fell 19.6% YoY to $5.09B, dragged by an 11% decline in non-Apple Android shipments and weaker high-end mix. Conversely, Automotive revenue surged 61% to $1.59B, and IoT grew 9% to $1.83B. Core operating profit dropped 41% YoY due to margin compression and higher expenses. Management's Q4 FY2026 guidance projects revenue of $9.7B-$10.5B, in line with consensus, but Non-GAAP EPS guidance of $2.05-$2.25 fell short of expectations. Amidst persistent weakness in its core handset market, Qualcomm is pursuing growth in AI, focusing on Edge AI (smartphones, PCs, automotive) and Data Center AI. Its data center strategy includes four pillars: AI accelerators (e.g., AI200), commercial CPUs (Dragonfly C1000), custom silicon, and connectivity solutions. While these initiatives initially boosted its stock, concerns over AI capital expenditure sustainability have since erased those gains. The company targets $5B in data center revenue for FY2027 and $15B for FY2029. The report concludes that with the traditional handset business still under pressure, the data center opportunity is currently viewed as a longer-term option, and a more conservative valuation based on core operations may be warranted until AI contributions materialize.

marsbitHá 3m

Qualcomm: AI Hype Subsides, When Will Smartphones Emerge from the Gloom?

marsbitHá 3m

From TPU to Self-Evolving Agents: How Jeff Dean Predicts the Next Step in AI

At the 2026 YC Startup School, Jeff Dean outlined his vision for AI's next phase, shifting focus from simply scaling models to building intelligent, autonomous systems. He believes AI's progress is no longer just about creating smarter models, but about integrating them into systems capable of long-term, iterative work, automated experimentation, and continuous learning. This evolution moves the competition from "who has the bigger model" to "who can best organize intelligence." Dean suggests AI capabilities are now comparable to a junior engineer, enabling the automation of complex workflows. However, the true challenge and opportunity lie in managing these AI "workers" at scale. He emphasizes the importance of **context engineering**—structuring tools, memory, and feedback loops—over raw model power. For startups, this means building deep expertise in niche domains where general models currently fail (near 0-1% success rates), leveraging proprietary data, specialized tools, and domain-specific evaluators. A recurring theme is re-examining fundamental constraints. Dean's past work, like moving Google's search index to memory or creating the TPU, stemmed from questioning outdated assumptions about hardware and cost. He sees similar inflection points today, particularly in **specialized inference hardware** to drastically reduce latency and energy consumption for real-time Agent operation. Notably, he points out that in modern AI systems, the dominant cost is often not computation but **data movement**. Reliable, long-running Agents require robust system design, borrowing concepts from distributed computing like checkpointing, state management, and parallel exploration to handle failures and maintain progress over days or weeks. As AI automates execution, the scarcest human skills will shift to **defining clear specifications**, **judging what problems are worth solving** (taste), and designing effective feedback loops. Ultimately, Dean's framework prioritizes understanding the problem deeply, identifying the true bottlenecks, and systematically building closed-loop systems where AI can not only perform tasks but also improve AI itself.

marsbitHá 4m

From TPU to Self-Evolving Agents: How Jeff Dean Predicts the Next Step in AI

marsbitHá 4m

Coldcard exploit sparks Bitcoin flight, ‘bullish’ crypto consolidation: Hodler’s Digest, August 2

A Coldcard hardware wallet exploit led to estimated losses of 1,367 BTC ($88.6 million), causing a spike in small Bitcoin transfers as users moved funds to centralized exchanges and other custody methods. In U.S. politics, the Clarity Act faces hurdles with time running out for a Senate vote, amid debates over ethics rules and crypto regulation. Major crypto firms like Coinbase reported disappointing Q2 earnings, while an analyst notes the industry is entering a significant consolidation phase, with revenue concentrating in a few dominant protocols like Hyperliquid and Pump.fun. Bitcoin's price decline continued, though some analysts suggest the market may have bottomed. Other news includes Telegram's legal troubles in Russia and Australia, layoffs at Pump.fun ahead of token distributions, and a White House staffer accused of insider betting leaving his post.

cointelegraphHá 21m

Coldcard exploit sparks Bitcoin flight, ‘bullish’ crypto consolidation: Hodler’s Digest, August 2

cointelegraphHá 21m

LATEST NEWS: Donald Trump makes a sharp statement regarding Iran! He has halted attacks

U.S. President Donald Trump announced he called off planned military strikes against Iran after Saudi Arabia, the UAE, Qatar, and Iran itself requested a delay. Trump stated the planned operation would have been large-scale and powerful but was suspended to allow time for diplomatic negotiations. He added that regional allies believe an agreement is near, with initial talks focused on security and reopening the Strait of Hormuz. Negotiations on Iran's nuclear program would follow once that is settled. The Strait of Hormuz is a vital global chokepoint for oil and gas shipments, and conflict there could significantly impact energy prices and world trade. Trump further announced that new talks with Iran will begin tomorrow. Separately, Trump commented on events involving the Japanese yen, stating the U.S. intervened in the market due to good relations with Japan, asserting Washington's consistent support for Tokyo and mutual economic benefits from the relevant rules. *This is not an investment recommendation.

cryptonews.ruHá 2h

LATEST NEWS: Donald Trump makes a sharp statement regarding Iran! He has halted attacks

cryptonews.ruHá 2h

Bank of Italy Finds No Systemic Advantages of Stablecoins in Transfers

A study by the Bank of Italy found that stablecoins do not offer a consistent advantage in cost or speed for cross-border money transfers. The research compared sending 200 USDC in 10 bilateral corridors (Italy to Brazil, Argentina, Japan, UAE, and South Africa) against standard money transfer services. While the final cost of stablecoin transfers ranged from 0.3% to nearly 9%, and were often cheaper than the global average cost of 6.65%, they only outperformed services like Wise in three out of seven comparable corridors. Key costs and delays were attributed to fees for converting to and from fiat currency and the quality of local payment infrastructure, not blockchain fees. Transfer times varied from under 20 minutes in corridors with instant payment systems to one or two business days where such infrastructure was lacking. The authors concluded that stablecoins' benefits would be more significant if they could be spent directly without conversion and noted that overly restrictive regulations complicate retail use without eliminating demand.

cryptonews.ruHá 3h