The State Of Stable Coins, 2025

by | Jul 10, 2025 | Blockchain, consulting, Crypto

Stable coins crypto

💸 Stablecoins Just Went From Nerdy to Necessary — And Wall Street’s Sweating

Remember when stablecoins were just that weird crypto cousin no one invited to Thanksgiving? Yeah—turns out, that cousin just graduated Harvard, launched a startup, and is quietly rebuilding the global financial system while everyone else was watching TikToks.

We’re talking $250B in circulation and $2.3T moving every month—not in dreams or dog tokens, but in real-world, grown-up transactions. Visa-sized transactions. JPMorgan-sized transactions. Stripe-in-101-countries-type transactions.

So we built the most comprehensive stablecoin report yet—for execs, fintech nerds, policy wonks, and anyone tired of paying 2.9% + $0.30 to move money like it’s still 1977.

🚨 The TL;DR

Stablecoins are no longer a “maybe.” They’re a full-blown infrastructure play.

  • $248B+ in circulation (up 60% this year—try getting that return on your savings account)

  • $2T+ moved per month—basically Visa, without the logo or the golf outings

  • Circle’s IPO 6x’d—Wall Street finally read the whitepaper

  • Stripe drops $1.1B on stablecoin infra like it’s buying oat milk

And guess what? The U.S. government is on board now. The SEC said stablecoins aren’t securities (yay!), Congress passed the GENIUS Act (seriously, that’s the name), and the Treasury basically said: “Stablecoins or bust.”

🧾 Let’s Talk Fees: The $47 Billion “Oops”

Retailers are bleeding money like it’s a hobby:

  • Amazon: $18.5B/year lost to payment fees

  • Walmart: $3.5B/year in the shredder

  • Top 5 retailers: Over $47B/year burned… just to move money

Now both Amazon and Walmart are building their own stablecoins—not to ape into memes, but to take a bite out of Visa and Mastercard like it’s Prime Day.

💡 The Big 5 Use Cases (That Already Work)

  1. Cross-border payments: $6T moved in 2024 via stablecoins, 90% cost savings, no more “3-5 business days” drama

  2. Corporate treasury: Park idle cash, earn 4%+, move instantly—BlackRock’s already in with $2.9B (you think Larry Fink’s playing around?)

  3. Capital markets: Say goodbye to T+2—Goldman Sachs and UBS are testing instant settlement

  4. Global payroll: Deel pays workers in 150+ countries using stablecoins—because everyone hates bank wires

  5. AI commerce: Coinbase’s x402 lets software pay each other. We’ve officially entered the “Robots Venmo each other” era

🏁 Who’s Racing Ahead?

  • Stripe: Bought Bridge, Privy, and your lunch. Dominating onchain payment rails with 4M+ merchants

  • Circle: IPO went full rocketship 🚀; $61B USDC backed by real treasuries—not vibes

  • Tether: $155B in USDT. $5B in annual profit. Also launching Tether AI. Because why not give Skynet a checking account?

  • JPMorgan: Already moving $1B/day on JPM Coin

  • Visa & Mastercard: Scrambling like Blockbuster in 2007

🤖 Enter the AI Era of Payments

Google’s Gemini 2.5 skips checkout altogether. AI compares, negotiates, buys. Humans? Optional.

Traditional payments can’t keep up:

  • Credit cards = 3-day settlement

  • Cross-border = currency headaches

  • Approval = always needs a human

  • Micro transactions = not worth the 30¢ fee

Stablecoins? Instant, global, programmable, always-on—like espresso for your money.

🧠 Real Talk

What’s happening with stablecoins feels like the early internet: wild, misunderstood, and about to upend everything.

This isn’t “upgrading SWIFT.” This is building a parallel financial system—with programmable money, 24/7 settlement, and no middlemen clipping 3% off the top.

The companies that win will embed stablecoin functionality now. The ones that don’t? Well, enjoy your monthly statements and 5-day delays.

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