Citi Bank Gives Prediction For Stablecoins and Crypto Market

With regulatory tailwinds and growing institutional interest, stablecoins are poised to integrate deeply into the mainstream economy, reshaping global payments, remittances, and even banking.

Currently valued around $240 billion, led by Tether’s USDT ($145B) and Circle’s USDC ($60B), the stablecoin sector could surge to $1.6 trillion by 2030, Citi forecasts — or even $3.7 trillion under a more optimistic outlook. That would eclipse today’s entire crypto market cap of roughly $3.45 trillion.

“Stablecoins could become the cash leg for tokenized financial assets or payments by SMEs and large corporates,” said Ronit Ghose, Citi’s head of Future of Finance.

Beyond trading, stablecoins are increasingly used in real-world payments, particularly for cross-border transfers and merchant settlements, according to crypto infrastructure firm Fireblocks. CEO Michael Shaulov noted a significant shift in stablecoin flows toward pure payments, not just trading.

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Fireblocks reported $517 billion in combined USDT and USDC volume in the past 90 days — with payment firms accounting for $82 billion, up 38.2% quarter over quarter. At this pace, payment companies may represent half of all stablecoin volume within a year.

Citi believes regulatory clarity, potential yield-bearing stablecoins, and seamless integration into bank liquidity models could accelerate this adoption curve, ultimately positioning stablecoins as a cornerstone of modern finance.

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