Stablecoins to Usher in $1,500 Trillion Era by 2035...Threatening Visa and Mastercard's Position

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A projection suggests that stablecoins could overturn the payment market and reach an annual transaction volume of $1,500 trillion by 2035.

According to crypto media outlet BeInCrypto on April 9 (local time), blockchain analytics firm Chainalysis analyzed that stablecoins processed approximately $28 trillion in payments in real economic activity as of 2025, and their transaction volume could expand to $1,500 trillion within the next decade.

The report identified intergenerational wealth transfer as a key driver of growth. Investment bank Merrill Lynch estimated that up to $100 trillion in assets would shift from baby boomers to younger generations by 2048. Chainalysis projected that this capital movement, led by crypto-savvy Millennials and Generation Z, would add $508 trillion to stablecoin transaction volume by 2035.

The expansion of daily payment areas was also cited as a major variable. An analysis suggested that if real-life payments such as groceries, rent, and subscription services transition to on-chain, an additional $232 trillion could be added to the annual transaction volume by 2035. This indicates that stablecoins are increasingly establishing themselves as real economy payment infrastructure, moving beyond simple remittances.

Traditional financial institutions are also accelerating their response. Payment company Stripe acquired stablecoin infrastructure firm Bridge, and Mastercard is expanding related services in cooperation with payment platform BVNK. The adoption of stablecoins is spreading across global payment networks.

Chainalysis analyzed that if this trend continues, stablecoin transaction volumes could approach the levels of Visa and Mastercard between 2031 and 2039. Stablecoins, leveraging real-time payments and low-fee structures, are reshaping the competitive landscape of the existing payment market.

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