Utilization of Stablecoins on the Rise, Infrastructure Remains Behind

Utilization of Stablecoins on the Rise, Infrastructure Remains Behind

In the rapidly evolving world of digital finance, stablecoins are set to take centre stage, heralding a new era in digital payments. By 2025, these digital assets are expected to be a critical component of the next-generation digital payment infrastructure, thanks to significant regulatory clarity, broader utility, and increasing integration into everyday spending.

Regulatory Grounding

The passage of the GENIUS Act in the U.S. in mid-2025 marks a milestone in the regulatory landscape for stablecoins. This landmark federal law establishes the first comprehensive regulatory framework specifically for stablecoins, mandating 1:1 fiat reserve backing, licensing, consumer protections, and compliance systems that align stablecoin issuers with traditional banking standards. The law also prevents stablecoins from being classified as securities, solidifying their role as payment instruments rather than investment products.

The US isn't the only country advancing stablecoin regulations. The UK, EU, and parts of Asia are also working towards ensuring security and transparency in the use of stablecoins.

Expanding Adoption

In 2025, stablecoins are increasingly being accepted by enterprises as a payment method, marking a critical shift from niche crypto use to mainstream digital cash. They offer global, fast, transparent, and cost-efficient settlement solutions that transcend banking hours and borders. Although currently stablecoins account for less than 1% of global money flows, their circulation has doubled in 18 months, with daily transactions reaching about $30 billion.

Integration with Everyday Spending

Wider integration into everyday spending is expected as financial institutions and payment processors prepare for stablecoin scalability and retail use. The paradigm is shifting from using stablecoins mainly as intermediaries translated back into fiat, to customers potentially holding funds directly in stablecoins, which could transform banking deposit and revenue models globally.

Platforms like Bitget Wallet are leading the charge, supporting local QR standards and bridging stablecoins with real-world point-of-sale experiences. The yields offered by these tokenized dollar assets are much more impressive compared to traditional bank deposits in EU countries or U.S. T-bills.

The Future of Stablecoins

As stablecoins become mainstream in terms of global regulation and usage in financial markets, wallet design that adapts to user behavior is required for diverse earning and yield generation opportunities associated with stablecoins. Some wallets are working to simplify this by integrating yield vaults directly into the user experience.

Bitget Wallet offers both full crypto payments capabilities and integrated yield tools within a mobile-first, self-custodial design. However, many crypto wallets still treat stablecoins primarily as static assets, while a meaningful gap exists between technical capabilities and functional user experience.

This shift toward passive income functionality in crypto-native tools is a broader trend. Tokenized dollar assets offering 4-6% APY are gaining popularity among users seeking returns in a high-rate, low-trust environment. The traditional separation between checking and savings accounts does not cleanly map onto on-chain finance, but stablecoins enable assets to generate yield until spent.

Products like USDM and USDY promise yield backed by short-term treasuries, but access often remains gated behind complex DeFi interfaces. As the landscape evolves, it's clear that stablecoins are set to revolutionize the digital payment landscape, offering a secure, efficient, and user-friendly alternative to traditional payment methods.

1. In the future, stablecoins are predicted to be a critical part of next-generation digital payment infrastructure, thanks to significant regulatory clarity.
2. The passage of the GENIUS Act in the U.S. in mid-2025 sets a regulatory ground for stablecoins, mandating 1:1 fiat reserve backing, licensing, consumer protections, and compliance systems.
3. The integration of stablecoins into everyday spending is expected, as financial institutions and payment processors prepare for stablecoin scalability and retail use.
4. Platforms like Bitget Wallet are leading the charge, supporting local QR standards and bridging stablecoins with real-world point-of-sale experiences.
5. As stablecoins become mainstream, wallet design that adapts to user behavior is necessary for diverse earning and yield generation opportunities associated with stablecoins.
6. Tokenized dollar assets offering high returns are gaining popularity among users seeking returns in a high-rate, low-trust environment, and stablecoins enable assets to generate yield until spent.
7. Products like USDM and USDY promise yield backed by short-term treasuries, but access often remains gated behind complex DeFi interfaces, indicating room for improvement in user experience as the stablecoin landscape evolves.

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