Stablecoins are becoming more than just a niche crypto tool and are starting to compete with traditional payment giants. According to a new report from Chaina Analysis, bLockchain-based stable assets It could handle more transaction volume than both Visa and Mastercard combined by 2035.
New research by blockchain analytics platform predicts that The transaction volume of cryptocurrencies is linked to the price It could reach as much as $1.5 quadrillion by 2035, driven by widespread adoption of cross-chain payment rails and changing generational preferences toward digital money. If current trends continue, on-chain stablecoin transactions could match or exceed the number of off-chain transactions of Visa and Mastercard sometime between now and 2035, a milestone that signals a fundamental shift in the global payments infrastructure.
While much of the growth is still future-oriented, recent data highlights the rapid expansion in the use of stablecoins today. In 2025, global stablecoin transaction volumes will rise to more than $33 trillion, surpassing the combined throughput of Visa and Mastercard, according to several industry reports and analytics sources.
Even if significant progress is not made, the current growth rate over the current time frame alone will push the value of the adjusted stablecoin to around $719 trillion per year, and even then, not significantly faster. If major economic and technological trends materialize, this number could double, and stablecoins will overtake card networks as the clear leaders in usage.
One of the main factors behind this prediction is the significant transfer of wealth between generations in the near future. Some analysts expect an additional $100 trillion to flow from older generations to Millennials and Generation Z. According to survey data cited in the report, nearly half of Millennials and Gen Z already own or hold cryptocurrencies.
As this generation inherits wealth, they may prefer faster and more flexible payment systems such as stablecoins. Chainalysis predicts that the same trend could generate approximately $508 trillion in total stablecoin transaction volume by 2035. This shift is not just about investment preferences. For many younger end users, instant payments, mobile-first tools, and international accessibility play a role in their expectations.
As activity moves online, these things become more valuable. The report believes that this generational shift could redefine global financial flows.
Instead of banks and card networks, consumers and businesses can increasingly turn to payment methods derived from blockchain technology. This shift could severely undermine the dominance of legacy payment systems.
The adoption of point of sale and enterprise transactions is accelerating the growth of stablecoins
Another major catalyst is the growing acceptance of price-linked cryptocurrencies Daily trade. Point-of-sale integration alone could contribute up to $232 trillion to the economy by 2035.
But when traders started managing stablecoins directly, they turned them into practical tools rather than just trading tools. So big financial companies are preparing for this. Now that tape Mastercard recently bought Bridge for $1.1 billion and said it would acquire BVNK for up to $1.8 billion.
These actions demonstrate that traditional payment institutions view stable digital assets as part of future structures and systems and not just a fad. Regulatory changes also drive adoption.
Donald Trump signed on The law of genius Last summer, as evidence that policymakers were starting to take stablecoins seriously, the report points to an example of this.
Clearer rules could give companies a reason to develop products and services in stablecoins, reducing uncertainty. This combination of corporate investment and regulatory clarity brings stablecoins closer to mainstream use.
Payment companies won’t wait until 2035. Instead, they are currently working on designing systems that can be applied to delivering stablecoin payments at scale.
Faster and cheaper payments pose a challenge to traditional networks
There is also a strong economic case for stablecoins. In contrast to traditional payment paths, which involve multiple intermediaries and payment processing, stablecoins are settled almost instantly.
They work 24/7 and cross borders without delaying correspondent banks. These benefits can reduce payment fees and settlement times and facilitate settlement. It is embedded in software to seamlessly integrate stablecoin payments into a business or system, automate workflows, and move funds from one place to another without waiting days or weeks for settlement.
This is already driving the adoption of these technologies across money transfers, business-to-business payments, and treasury management. Current data shows how fast the market is growing at any given moment.
