Institutional Stablecoin Adoption Set to Explode: Majority Without Current Plans Targeting 12-Month Rollout

Wall Street's sleeping giant just woke up—and it's hungry for stablecoins.

The Tipping Point

Financial institutions that previously watched from the sidelines are now racing to implement stablecoin strategies. What was once considered experimental is becoming operational—fast.

Implementation Timeline Accelerates

Firms without existing projects aren't just considering adoption—they're building deployment roadmaps with aggressive 12-month targets. The institutional FOMO is real, and the infrastructure is finally catching up to the demand.

Regulatory Clarity Fuels Momentum

Clearer guidelines from regulators worldwide have given institutions the green light they've been waiting for. No more guessing games—just hard deadlines and concrete use cases.

Legacy finance finally realized that moving money shouldn't cost more than making money—maybe those Ivy League MBAs are worth something after all.

Regulatory clarity accelerates plans

The passage of the GENIUS Act on July 18 appears to have accelerated institutional interest in the stablecoin sector.

Before the legislation, 73% of organizations identified regulatory uncertainty as the top barrier to adoption. The survey was conducted in June 2025, shortly after Senate approval but before final passage.

Financial institutions anticipated that stablecoins WOULD account for 5% to 10% of global payment value by 2030, representing $2.1 trillion to $4.2 trillion according to EY-Parthenon estimates.

Corporations demonstrated a strong preference for traditional banking partnerships, with 63% looking to existing financial providers for stablecoin capabilities.

Financial institutions responded by planning hybrid approaches, with 53% pursuing a combination of internal and vendor solutions.

Integration paramount

Integration remained crucial for adoption, as 56% of corporations prefer embedded APIs within existing treasury platforms.

Approximately 70% indicated a greater willingness to adopt stablecoins if integrated into enterprise resource planning systems.

The survey revealed that 87% of corporate respondents believe stablecoin adoption can deliver competitive advantages, and 81% plan to conduct formal return-on-investment analyses to quantify potential benefits from deployment.

Despite institutional openness to stablecoin adoption, the survey highlighted that trust remains a significant challenge, given the reliance on major traditional players behind these projects.