Citi Forecasts Stablecoins to Fuel $100 Trillion Payment Revolution by 2030
Banking giant Citi projects stablecoins will become the backbone of a $100 trillion digital payment ecosystem within six years—bypassing traditional banking infrastructure entirely.
The Institutional Adoption Tipping Point
Major financial institutions finally recognize what crypto natives knew years ago: dollar-pegged digital assets cut settlement times from days to seconds while slashing transaction costs by up to 80%.
Global Payment Infrastructure Overhaul
Stablecoins aren't just disrupting remittances—they're rewriting corporate treasury management and cross-border trade finance. The $100 trillion projection represents conservative estimates as central banks scramble to launch their own digital currencies.
Traditional Finance's Last-Gasp Resistance
Wall Street firms now face their Kodak moment—either integrate blockchain payment rails or watch $100 trillion in transaction volume flow through decentralized networks. Because nothing motivates bankers like the sight of money moving without their cut.
Bitcoin Sentiment Split as $70K–$100K Predictions Rise, Santiment Says
The bank estimates those products could also surpass $100 trillion in turnover before the end of the decade.
Dollar-based stablecoins remain the Core driver, supporting demand for U.S. Treasuries, though experimentation is also emerging in places like Hong Kong and the UAE. Citi frames this shift as less a competition and more a reshaping of financial rails, with stablecoins, bank tokens, and CBDCs likely coexisting, each filling different needs.
The bank summed up the trend as blockchain’s “ChatGPT moment,” a breakthrough that could accelerate adoption of digital money in everyday commerce while giving institutions a stronger role in the on-chain economy.
