The Stablecoins market are rapidly gaining adoption since 2023. The growth, is similarl to the initial growth of generative AI tools such as ChatGPT according per Citi Group’s Global Perspectives. The report specifies that stablecoins will achieve complete integration into the global economic system by 2025 after evolving from crypto-focused to financial-use applications.
Market Cap Projections
The analysts at Citi predict that stablecoins will experience significant market expansion resulting in $1.6 trillion by 2030 under base conditions and surpassing $3.7 trillion under bullish projections. The stablecoin market value currently exceeds $230 billion after experiencing 30 times greater growth during the last five years. Numerous institutions and widening application areas have driven the accelerated expansion of this market trend.
Regulatory Progress Driving Adoption
Major market regulatory decisions aid the increased adoption of stablecoins. Stablecoin regulation through new US legislation from 2025 outlines rules for issuance regulations and reserve requirements parallel to the MiCA regulation adopted by most European countries. The implementation of new regulations occurred parallel to rising financial institution adoption along with growing demand from emerging markets.
Treasury Market Impact
The analysis from Citi indicates stabilcoin issuers with liquid safe assets will surpass current foreign jurisdictions in US Treasury holding capacity by 2030. The Bank projects that this move would generate more than $1 trillion in additional Treasury demand thus creating substantial Treasury debt purchasing activity.
ChatGPT-Like Adoption Moment
The adoption pattern of stablecoins moving into B2B payments and institutional capital markets and remittance systems resembles early developments of AI tools. The retail adoption of stablecoins in countries including Argentina and Nigeria and Turkey is making steady progress because these currencies function well as inflation protection mechanisms. At the same time major banking institutions install payment methods based on stablecoins. Stablecoins stand ready to advance into wide use as mainstream financial tools because of reducing regulation while possibly adopting payment network pathways from nations such as Brazil and India.
