Stablecoins' settlement volume surges by 87% in 2025, institutional market deployment accelerates

【Crypto News】Recently, there is an interesting phenomenon in the financial industry. Stablecoins are no longer just small tools in the crypto space but are becoming institutional-grade market infrastructure.

According to the latest cross-industry outlook, by 2025, the settlement volume of stablecoins is expected to grow by approximately 87% year-over-year, reaching a scale of $9 trillion. This figure is based on actual on-chain transaction estimates, not just interbank fund flows. In other words, the actual business volume is growing rapidly.

Why is this happening? The key lies in fiat-collateralized stablecoins and tokenized deposits transforming into "digital cash" within the digital financial system—used for liquidity management, collateral transfer, and daily settlement. What tools did traditional financial institutions originally use? These are stablecoins and tokenized financial products. From tokenized bonds and funds to lending products, the entire industry is experiencing a fusion of traditional finance and digital finance.

Institutions have also sensed the opportunity. By 2025, banks, asset management firms, and market infrastructure providers are accelerating pilot projects—building blockchain settlement networks, developing tokenization platforms, and constructing digital custody systems. The goal is clear: simplify issuance processes, optimize post-trade processing, and manage intraday liquidity. These are long-standing pain points in traditional finance.

In terms of investment scale, as institutions build large-scale tokenization and programmable settlement infrastructure, it is expected that by 2030, the digital finance and infrastructure sectors will attract over $300 billion in investments. What does this scale mean? It signifies that this is not a trial project but a genuine industry transformation.

Against this backdrop, stablecoins and tokenized deposits are increasingly becoming essential tools for cross-border payments, repurchase agreements, and collateral transfers. However, to truly make stablecoins reliable institutional settlement assets rather than creating new systemic risks, security, interoperability, and regulatory clarity are indispensable. This is critical for the entire industry.