Specialists think that the total value locked (TVL) in the stablecoin sector will rise to $300 billion and that more people will accept these assets. The opinions of key players and analysts in the crypto asset sector. Experts agreed that the dominance of USDC and USDC will continue while the TVL sector grows. The main problem of the segment will remain the inconsistency of rules in different jurisdictions.
Dominance of the Largest Stablecoins
As a reminder, in early December 2024, the total value locked in this group updated its historical high at over $200 billion. Largest Stablecoins Crypto, This is approximately 5% of the crypto market capitalization in general. Most of this amount, almost $182 billion, is accounted for by two assets, USDT and USDC. Experts are confident that the dominance.
These stablecoins will continue, and the sector’s TVL will exceed $300 billion. Alchemy Pay’s chief marketing officer, Ailona Tsik, believes that a large market share will remain for stablecoins backed by fiat. Tsik noted that the adoption of these assets in both emerging markets and the decentralized applications sector will accelerate.
Earn on their Stablecoins
Users want returns on their stablecoins as the ecosystem evolves. PYUSD from PayPal illustrates this. Industry experts expect more stablecoin issuers to adopt yield-bearing techniques in 2025 to attract and maintain customers. This emphasizes the necessity for comprehensive risk disclosure and clear regulatory frameworks that balance investor protection and innovation.
Users want income opportunities to fight inflation without jeopardizing their digital assets. This development is a natural progression from stablecoins as a store of value or medium of exchange to productive financial instruments. Vishal Gupta warns that “exotic” yield-generating stablecoins may pose significant dangers that retail customers may not grasp.
The recent trend toward yield-bearing stablecoins as firms seek solutions to manage treasury operations while collecting returns on their digital assets could boost institutional adoption. Largest Stablecoins Crypto, This should help boost stablecoin use in B2B and cross-border transactions.
Demand for Cards with Support for Stablecoins
Head of cryptocurrency at Visa, 2024 was a period of renewed demand for these assets. At the same time, the available ways to spend stablecoins remain limited, the expert believes. In this regard, he expects the demand for cards supporting stablecoins to grow significantly in 2025. Visa plans to expand its capabilities to allow issuers to pay for such cards with the company directly through stablecoins.
A new trend in international payments in 2025. He also cited examples of new assets specialized for cross-border payments. The latter include, in particular, the RLUSD stablecoin from Ripple Labs. Bill Zielke, the market director at BitPay, also stated this. According to him, in 2024, stablecoins account for 5% of all transactions on the platform. At the same time, they occupy about 25% of the total volume.
Key Problem is Regulatory Differences
“One of the biggest problems we see for stablecoins in 2025 is figuring out how to deal with the changing rules,” Tsik of Alchemy Pay said. Largest Stablecoins Crypto, This idea was expanded upon by Ben Reynolds, who is in charge of stablecoins at BitGo. He said that there will still be a lot of regulatory uncertainty and a lack of transparency in the sector in 2025.
Vishal Gupta, founder of the True Markets project, said that the biggest problem with getting rid of this is that different countries don’t follow the same rules. In this case, Gupta stressed that places with clear, simple, and easy rules will likely do better, while markets with rules that are too hard to understand and follow will lose. This expert is talking about the MiCA rule in the EU.
Summary
Experts think that TVL will hit $300 billion in 2025, a big year for the stablecoin market. With new ways to use foreign payments and card services, USDT and USDC will likely grow their market share even more. However, regulators’ inconsistent approaches to rules are still a big problem. More work will probably be done on L2 solutions, yield systems, and cross-chain interoperability. Even though “exotic” stablecoins are still new and different, leaders in the industry are raising the bar to ensure that new ideas are balanced with openness and protecting consumers.
FAQs
Which stablecoins dominate the market, and will this trend continue?
USDT and USDC account for most of the market’s $200 billion TVL, and experts expect their dominance to continue as the sector grows.
Why are yield-bearing stablecoins gaining popularity?
Yield-bearing stablecoins offer users a way to earn returns, appealing to those seeking income opportunities and driving institutional adoption for treasury and cross-border operations.
What is the outlook for stablecoin payment cards?
Demand for cards supporting stablecoins is expected to grow in 2025, with companies like Visa expanding capabilities to allow issuers to pay directly in stablecoins.
What is the biggest challenge for the stablecoin sector in 2025?
Regulatory inconsistencies across jurisdictions remain a key issue, with clear and transparent rules likely favoring adoption in regions like the EU under MiCA regulations.
