Stablecoins Connect Financial Sectors as Total Supply Exceeds $300 Billion

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Stablecoins Connect Financial Sectors as Total Supply Exceeds $300 Billion

Bitget-RWA2025/09/27 19:14

By:Coin World

- Stablecoin supply surpassed $300B in 2025, with USDT (58%), USDC ($74B), and USDe ($14B) leading the market. - Regulatory clarity via the U.S. GENIUS Act reduced uncertainty, while yield-bearing stablecoins (7.39%-8.98% APY) drove adoption. - Market growth accelerated 63% YoY, fueled by $4.1T monthly transactions and 30M active wallets in DeFi and cross-border payments. - Projections suggest $2T potential as stablecoins bridge traditional finance and crypto, though CBDCs and regulatory fragmentation pose

Stablecoins Connect Financial Sectors as Total Supply Exceeds $300 Billion image 0

The stablecoin market has reached an unprecedented total supply of $300 billion, representing a significant achievement for the crypto industry. As of September 2025, CoinMarketCap reports the market at $307 billion, while CoinGecko and DeFiLlama list slightly lower numbers at $299 billion and $295.5 billion. This rapid expansion highlights the increasing role of stablecoins as a link between conventional finance and decentralized platforms. Tether’s

USDT

continues to lead the sector, accounting for 58% of the total market with a $173 billion cap, followed by Circle’s

USDC

at $74 billion in circulation.

Ethena

Labs’ USDe has also become a major player, with its supply exceeding $14 billion. This growth is largely credited to clearer regulations, such as the U.S. GENIUS Act passed in July 2025, which set federal reserve standards and direct Federal Reserve supervision, helping to reduce uncertainty in the industry Stablecoin supply tops $300B: Is crypto finally breaking into banking? [ 1 ].

The increasing use of stablecoins demonstrates their expanding importance in international payments, DeFi, and institutional transactions.

Tether

CEO Paolo Ardoino noted that USDT now supports $17.4 billion in daily peer-to-peer transfers, a 130-fold jump since 2020. Meanwhile, USDC’s adoption by institutions has grown, with its integration into Visa’s global payment network and DeFi protocols like

Aave

and

Uniswap

. The stablecoin sector has seen a 63% annual increase, fueled by a 115% rise in monthly transaction volume—reaching $4.1 trillion in February 2025—and a 53% growth in active wallets, now numbering 30 million Stablecoin Market Cap Nears $300B as Circle CEO Predicts Text … [ 2 ].

Yield-generating stablecoins, often called “Stablecoin 2.0,” are transforming the market. Projects like Ethena’s USDe, Falcon Finance’s USDf, and Aave’s GHO offer annual yields between 7.39% and 8.98%, drawing interest from both individual and institutional investors. DWF Ventures, a Web3 investment firm, observed that these yield-bearing stablecoins have captured a notable share of the market, with USDe alone reaching $13.7 billion in supply. These coins generate returns from various sources, such as real-world assets (RWAs), staking, and DeFi arbitrage, while staying pegged to the U.S. dollar. Falcon Finance’s USDf, for example, has expanded to $1.8 billion in supply, supported by its governance structure and compatibility with multiple blockchains DWF Ventures Analyzes Stablecoin Growth As Market Cap Nears … [ 3 ].

Regulation continues to play a vital role. The GENIUS Act has established a regulatory framework for stablecoins, fostering innovation while managing risks. Nonetheless, obstacles remain, such as scrutiny from the European Central Bank and ongoing transparency issues. For instance, Tether’s reserves consist of 79.7% U.S. Treasury securities and 4.4% in

Bitcoin

, while USDC is fully backed by cash and short-term Treasuries. Differences in market cap reporting—like CoinMarketCap not counting rehypothecated assets—underscore the need for unified standards.

Looking forward, projections indicate further growth. U.S. Treasury Secretary Scott Bessent anticipates stablecoins could reach a $2 trillion market cap in the next few years, driven by their ability to provide efficient, programmable money.

Circle

CEO Jeremy Allaire sees stablecoins as an “enhanced version of fiat,” simplifying international transactions. However, regulatory inconsistencies and competition from central bank digital currencies (CBDCs) may pose challenges. Despite these hurdles, the integration of stablecoins into mainstream finance—such as JPMorgan’s use of stablecoins for settlements—demonstrates their potential to reshape the global financial system Stablecoin Market Cap Nears $300B as Circle CEO Predicts Text … [ 2 ].

Disclaimer: The content of this article solely reflects the author's opinion and does not represent the platform in any capacity. This article is not intended to serve as a reference for making investment decisions.

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