Stablecoins are coming for payments.
By Maxime Laurent · 2026-04-10 09:42
Stablecoins are coming for payments.
$28T today, $719T by 2035, and in a big macro tailwind scenario even $1.5 quadrillion. That is the scale on the table.
What strikes me here is not even the number itself, but the vibe behind it. We are watching stablecoins slowly leave the crypto playground and walk straight into the center of global finance. No drama, no flashy narrative, just pure utility. Sending value instantly, 24/7, across borders, without asking five intermediaries for permission — that is a brutal advantage.
The real catalyst may be generational. Over the next decades, around $100T is expected to move into the hands of millennials and Gen Z. And unlike older generations, they do not see crypto as some exotic side bet. For many of them, using onchain money already feels more natural than dealing with slow bank rails. That changes everything.
This is why I keep saying stablecoins are not “boring crypto.” They are probably one of the most dangerous products for the old payment giants. Visa and Mastercard still have distribution, trust, and massive infrastructure, of course. But stablecoins have something sharper: speed, programmability, and global reach from day one. Franchement, that combo is hard to ignore.
If this trend keeps accelerating, the payment market could look very different in ten years. Not because banks disappear overnight, but because users will quietly migrate to rails that simply work better. And once people get used to instant settlement, going back feels impossible. 💸🌍
#Stablecoins #Crypto #Payments #Blockchain #Fintech #Onchain #Web3
$28T today, $719T by 2035, and in a big macro tailwind scenario even $1.5 quadrillion. That is the scale on the table.
What strikes me here is not even the number itself, but the vibe behind it. We are watching stablecoins slowly leave the crypto playground and walk straight into the center of global finance. No drama, no flashy narrative, just pure utility. Sending value instantly, 24/7, across borders, without asking five intermediaries for permission — that is a brutal advantage.
The real catalyst may be generational. Over the next decades, around $100T is expected to move into the hands of millennials and Gen Z. And unlike older generations, they do not see crypto as some exotic side bet. For many of them, using onchain money already feels more natural than dealing with slow bank rails. That changes everything.
This is why I keep saying stablecoins are not “boring crypto.” They are probably one of the most dangerous products for the old payment giants. Visa and Mastercard still have distribution, trust, and massive infrastructure, of course. But stablecoins have something sharper: speed, programmability, and global reach from day one. Franchement, that combo is hard to ignore.
If this trend keeps accelerating, the payment market could look very different in ten years. Not because banks disappear overnight, but because users will quietly migrate to rails that simply work better. And once people get used to instant settlement, going back feels impossible. 💸🌍
#Stablecoins #Crypto #Payments #Blockchain #Fintech #Onchain #Web3
Disclaimer: This content is for informational purposes only and not financial advice.