The introduction of stablecoins has ushered in a new era of financial transformation where traditional finance is slowly getting accustomed to using and leveraging digital assets. Stablecoins are now becoming widely accepted and less scrutinized by both governments and financial institutions, as evidenced by the increasing volume and number of Fortune 500 companies onboarding or using stablecoins.
With transaction volumes surpassing even Visa and Mastercard and market forecasts predicting exponential growth, stablecoins are no longer a niche product but essential for businesses and investors.
As stablecoins are really becoming mainstream, let’s explore the factors behind their rise and what this means for your potential investment strategy.
- The breakout year for stablecoins
- Big players entering the stablecoin market
- Why are stablecoins becoming mainstream?
- Where stablecoins are headed by 2030
- Unlocking new opportunities in the stablecoin market
The breakout year for stablecoins
Stablecoins are becoming increasingly significant and have skyrocketed into the financial spotlight, with their volume nearing that of top payment processors. According to a Coinbase research, the volume of stablecoin transactions in 2024 has reached $27.6 trillion, significantly outpacing the combined volume of Visa and Mastercard transactions.
The volume wasn’t attributed solely to decentralized platforms but also included Fortune 500 companies and small-to-medium-sized businesses (SMBs). They identified stablecoins as a quick and easy solution for some of the inter-trade and cross-border financial challenges they faced.
In 2025, the industry set a new record with monthly transfer volumes in April, surpassing $700 billion in a single month. This demonstrated the rapid adoption of stablecoin usage, regardless of its intended use across key industries. Regardless of their use case—whether it’s payroll, remittance, or anything in between —their ability to provide near-instant, low-cost, and borderless transactions continues to disrupt outdated financial systems.
Big players entering the stablecoin market
Société Générale, one of France’s largest banks, recently launched their regulated dollar-pegged stablecoin, USD CoinVertible, on Ethereum and Solana blockchains. This represents a significant shift in how traditional investment companies approach cryptocurrency.
Previously, CBDCs have been discussed by European countries, which are issued by central banks and not part of any privately held company. With the major shift in stablecoin acceptance driven by a mixture of regulatory support, institutional demand, and practical utility, stablecoins are inching their way into the mainstream.
Major Wall Street firms, including Bank of America and JP Morgan Chase, are exploring stablecoin initiatives. Additionally, pending legislative efforts, such as the GENIUS Act, add credibility to the space and promise to establish clear guidelines for the issuance and use of stablecoins.
With reserves tied to centralized assets and stricter regulations in place, we may see an increase in the issuance of bank-backed stablecoins.
Why are stablecoins becoming mainstream?
Regulation has been a key driver behind the rapid rise and growing mainstream acceptance of stablecoins. These digital assets are addressing real-world challenges for both institutional and retail users, yet their adoption was previously limited due to perceived risks.
Stricter regulations, clearer guidelines, and increased government involvement have paved the way for stablecoins to gain acceptance within financial institutions. Their growing adoption is also tied to the U.S.’s favorable stance on cryptocurrencies, which has reduced regulatory pressure and provided greater clarity on their usage.
The $700+ billion in stablecoins transactions isn’t just purely wash-trading as larger corporations are taking notice of their potential. Nearly 20% of Fortune 500 executives now view on-chain solutions as strategic priorities, representing a 47% year-over-year increase. This shift underlines how stablecoins are becoming integral to corporate strategies.
Stablecoins are no longer just about convenience; they’re emerging as an indispensable component within global financial systems.
Where stablecoins are headed by 2030
Citi’s Future Finance report painted an optimistic picture for the stablecoin market. With a current market cap of $240 billion, stablecoins are on track to experience explosive growth.
The stablecoin market is projected to grow significantly, with a base forecast estimating it will reach $1.6 trillion by 2030—an increase of over 500% within the next five years. Under ideal conditions, with regulatory and geopolitical factors aligned, the market could expand even further, potentially hitting $3.7 trillion. This would surpass the current global cryptocurrency market cap of $3.45 trillion.
The shift from trading-centric use cases to payments is a key driver of this growth. Today, payments represent roughly 16% of all stablecoin transactions, and analysts predict this could climb to 50% within a year, fueled by faster adoption among businesses.
Geopolitical factors will also play a role. Uncertainty in traditional banking systems is driving more small and medium-sized businesses (SMBs) to stablecoins as an efficient tool for navigating global finance.
Unlocking new opportunities in the stablecoin market
Without a doubt, stablecoins are reshaping how financial markets operate. At the same time, it provides investors with diverse opportunities to use USDC or similar digital assets as a means of payment.
As companies and governments approach widespread adoption, the asset’s inherent advantages are becoming impossible to ignore—even for retail investors.
Yieldfund, a leading quantitative trading company, is embracing innovation with weekly payouts to investors through USDC. With stablecoins like USDC, earnings of up to 5% per month are deposited directly into investor’s crypto wallets, providing a fast, secure, and convenient way for investors to access their interests.
Curious about how Yieldfund’s USDC payments work? Visit our website to learn more and connect with one of our expert investment managers.
