Bloomberg Predicts Stablecoin Payment Flows Could Reach $56.6 Trillion by 2030

According to a new report by Bloomberg Intelligence, stablecoin payment flows can surge to $56.6 trillion by 2030. If their predictions come true, stablecoins can transform digital dollars into one of the most important payment methods in global finance. Bloomberg estimates that stablecoin payment flows reached $2.9 trillion in 2025. To reach $56.6 trillion within five years, an 81% compound annual growth rate would be required. 

Analysts believe this expansion is being fueled by growing institutional adoption and rising demand in countries that are fighting against current market volatility, economic instability, and inflation. 

Bloomberg Report Predicts Massive Gains for Stablecoins

The report highlights a clear difference in how the two of the largest stablecoins are being used. Tether’s USDT continues to dominate the centralized finance (CeFi), where it is widely used for store of value, everyday payments, and business settlements. On the other hand, Circle’s USDC has become the preferred stablecoin on decentralized finance (DeFi) platforms, reflecting its strong integration with on-chain protocols. 

Overall stablecoin payment flows rose 81% year on year in 2025, although the number of transactions occurring on decentralized platforms declined. Bloomberg took data from crypto analytics firm Artemis to create this report. Artemis co-founder Anthony Yim attributed this trend to accelerating US dollar stablecoin adoption in emerging markets, as users seek stability amid what he described as an “increasingly unstable geopolitical landscape.”

Despite losing relative share in DeFi, USDC still posted higher transaction volume, reaching $18.3 trillion in 2025 as compared to $13.3 trillion for USDT. Together, the two stablecoins accounted for more than 95% of the record $33 trillion in global stablecoin transaction volume last year (a 72% annual increase). From a market capitalization standpoint, USDT remains ahead of the competition, with a value of $186.9 billion, versus $74.9 billion for USDC. 

Regulatory and institutional momentum is also building for stablecoins. Following the signing of the GENIUS Act in the USA, Canada, and the UK are accelerating plans for stablecoin frameworks in 2026. At the same time, firms such as Western Union are preparing stablecoin-based settlement systems, signaling that digital dollars may soon play a central role in cross-border payments and global commerce.