Wall Street giant Citigroup believes that stablecoins are set to become a cornerstone of digital finance over the coming decade, projecting that their role in payments and settlements will expand dramatically by 2030.
The bank’s research team now expects stablecoin issuance to approach $1.9 trillion within five years, up from an earlier forecast of $1.6 trillion. In a scenario where adoption accelerates faster, supply could swell toward $4 trillion.
That growth, Citi argues, could underpin as much as $100 trillion in annual transactions – a scale that rivals existing payment systems even if it still trails the trillions banks process each day.
Rather than portraying stablecoins as a disruptive force, the report frames them as an enhancement to existing rails. Analysts described them as the “ChatGPT moment” for blockchain in institutional finance: a technology that makes previously theoretical use cases practical.
Yet Citi stressed that not every payment need is solved by stablecoins. Domestic instant-transfer systems are already widespread and efficient in many countries, meaning the biggest opportunities remain in global commerce, cross-border settlements, and areas where current systems remain costly or fragmented.
By casting stablecoins as both evolutionary and transformative, Citi’s forecast highlights a sector that could be one of the most important growth engines for blockchain in the years ahead.
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Source: https://coindoo.com/stablecoins-could-power-100-trillion-in-payments-top-bank-predicts/