Stablecoin transaction volumes could reach $1.5 quadrillion as regulatory frameworks finalize by 2026

Banks can now use stablecoins for cross-border payments, interbank liquidity, and FX efficiency as global regulations in the US, UK, and EU enable the integration of stablecoins into mainstream financial infrastructure. This shift is driven by the regulatory framework being established this year. The FDIC has approved proposed rulemaking to implement the GENIUS Act for payment stablecoin issuers. Simultaneously, FinCEN and OFAC have jointly proposed new AML and sanctions compliance requirements for stablecoin transactions. These rules require real-time identification of counterparties and the the ability to block prohibited transactions before settlement. Verified counterparty identity and pre-authorization are now prerequisites for funds to reach the blockchain. Adjusted stablecoin transaction volume is projected to reach $719 trillion by 2035 through organic growth alone. This figure is projected to increase as a $100 trillion wealth transfer from Boomers to Millennials and Gen Z between 2028 and 2048 accelerates adoption. Stablecoin transaction volumes could approach $1.5 quadrillion by 2035. Stablecoin payment volumes are on pace to match Visa and Mastercard‱s off-chain transaction volumes between 2031 and 2039.