The Stablecoin sector comes in a period of accelerated acceptance that is comparable to the early growth of generative artificial intelligence (AI) tools such as Chatgpt and could achieve market capitalization of more than $ 1.6 trouble in 2030.
According to a new report published on 24 April by the Global Perspectives & Solutions Unit of Citi Group, Stablecoins are now moving from crypto-centric applications to broader cases for financial and public sector.
The shift is supported by increasing the clarity of the regulations, a strong institutional interest rate and the demand of global markets for digital assets, soaked by the US dollar.
The report ran parallel to the early stages of the adoption of Chatgpt with the current phase of the growth of the Stablecoin, so that 2025 was informed as the turning point where they are more integrated with the global economic system.
According to Citi’s Bullish Scenario, the Stablecoin market in 2030 could reach a combined market capitalization of more than $ 3.7 trillion. The current market for Stablecoins is above $ 230 billion and has grown almost 30 times in the last five years.
Institutional Question and Macro Driver programs
The CITI report identifies the progress of the regulations, in particular in the US and Europe, as a key factor with which Stablecoins can expand outside their original role in crypto -trade and Defi.
New American legislation introduced at the beginning of 2025 is intended to determine the legal framework for the issue and reserves of Stablecoin. In the meantime, the EU markets in crypto-assets (MICA) regulations have established standards in the block.
This regulatory momentum coincided with the demand from emerging markets, where access to dollars is limited, and from financial institutions that investigate the Stablecoin infrastructure for payments, settlements and liquidity management.
The report noted that banks and payment providers are starting to integrate Stablecoins into existing financial systems, which removes barriers that once stablecoins limited to crypto-native use. In particular, Citi was projected that the demand for Stablecoins will create a new source of purchasing activities for American treasury.
Publishing issues who support their tokens with safe, cash, could keep more treasure chest than any current foreign jurisdiction, which adds more than $ 1 trillion to the demand for the treasury below the basic case of the bank.
Outs of use are expanding further than crypto
Although Crypto-trade remains the largest use case, responsible for a maximum of 95% of the current Stablecoin volumes, CITI projected growth in areas such as B2B-limit payments, remittances of consumers and activity of institutional capital markets.
Emerging markets such as Argentina, Nigeria and Turkey also contribute to the retail acceptance of Stablecoins, because they serve as a hedge against inflation and currency vatility. In the meantime, transfers are gradually shifting from traditional channels to stabile-compatible flows due to lower costs and faster settlement times.
On the institutional side, large asset managers and fintech companies on Stablecoin based settlements for funds, treasury operations and liquidity provision, trust in the infrastructure and the regulations landscape.
Citi compared the potential trajectory of Stablecoins with that of the card payment industry, which suggests that although a few dominant issues can arise, national players and public-private models are expected to spread.
This can reflect the rise of regional map networks in countries such as Brazil and India, where local regulations support domestic financial sovereignty. The report emphasized the importance of trust, reserve transparency and user experience when determining which stablecoins reach the regular penetration.
It also noted that long -awaited regulatory clarity has removed one of the greatest barriers in the sector, so that both established and challengers can build up services on more predictable legal foundations.
