MarketCapitalization

J.P. Morgan's forecast signals Stablecoin Market Capital maturity and measured widespread. Payments sector still needs significant innovation to capture retail potential. JPMorgan predicts stable coin adoption to reach $500B by 2028, down from earlier trillion-dollar projections due to minimal real-world payments adoption, raising concerns about the end of the "stable coin revolution."
Stablecoin Market Capital Growth Stalls as Real-World Use Lags
Financial institutions have been paying more attention, but widespread public use has not emerged. Instead of being used in regular financial transactions, stable coins are still mostly utilized in digital asset space. The tech is solid, but these are not being used for everyday purchases or rent payments, and hype won't match reality until people move beyond trading and DeFi. Rails are built, but the roads are still empty.
GENIUS Act May Boost Stablecoin Market Capital—But Will It Be Enough?
Despite a 23% growth in 2024, only 6% of demand comes from real-world payments. Regulatory advances like the GENIUS Act help but challenges remain, including competition from state-backed digital currencies and limited consumer incentives. Mainstream adoption is critical for future expansion. Previous estimates that predicted it may reach the trillion-dollar threshold are in stark contrast to this figure. The bank listed delayed regulatory development and limited usage outside of cryptocurrency trading as the main obstacles.
Current Growth and Trends in the Stablecoin Market Capital
The stablecoin market capital, primarily US dollar-denominated, experienced a 23% expansion in 2024, reaching $254 billion. Despite this impressive growth, it doesn't necessarily signify widespread consumer adoption or inclusion in everyday business transactions.  Instead, continued use of cryptocurrency trading platforms is responsible for most of the growth.
The GENIUS Act, the most extensive regulatory framework to date aimed at stable coins, was recently passed by the US Senate, sparking interest in the industry's potential.  By the end of the decade, some analysts predict stablecoin market capital will have grown to a sizable $2 trillion to $4 trillion. JP Morgan, however, is still wary, pointing out ongoing fragmentation and little growth beyond the current crypto infrastructure.
Current Scenario Still Dominated by Crypto-Native Use Cases
JPMorgan Chase has lowered its outlook for the stablecoin market capital, predicting a $500 billion valuation by 2028. The bank criticized the $1-$2 trillion stablecoin market capital forecast, stating that these predictions are too optimistic compared to the current $250 billion value of the sector. The report also noted that its adoption for global payments is only 6%, compared to 88% in crypto-native environments. The digital asset class is more recognized for crypto-related services rather than everyday transactions. The analysts also dismissed the idea that they would replace traditional currencies due to a lack of yield and difficulties in moving between fiat and crypto. They also rejected comparisons between stable coins and China's e-CNY rollout and the rise of platforms like Alipay and WeChat Pay.
JPMorgan Warns Against Overhyped Trillion-Dollar Projections
JPMorgan's estimate highlights the need for stable coins to have broader real-world applications to match crypto hype. Regulation alone won't drive growth without adoption by everyday consumers and businesses. Industry players must focus on creating consumer benefits and overcoming infrastructural challenges to evolve stable coins from niche trading tools to mainstream financial instruments. A cautious approach and innovation will define stable coin success in the coming decade.

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XRP surged more than 8% overnight, reaching $3.29 - the highest in six months, according to TradingView. At the time of writing, the market capitalization of this asset is $194.8 billion.
In the past week, the price of XRP has increased by 36.9%. Analysts believe that this growth is due to a significant rise in open futures contracts and trader optimism in the context of potentially relaxed regulations.
According to CoinGlass, the total open positions in perpetual XRP futures have reached $10 billion, equivalent to over 3 billion XRP. This figure surpasses the previous high of $8.3 billion recorded in January 2025. Bitget and Binance are the leaders in volume, with $2.19 billion and $1.62 billion respectively.
According to many experts, the market is showing a distinct bullish sentiment. Across most platforms, the funding rates are positive and continue to rise. This means that traders betting on price increases are willing to pay extra fees to hold their positions. Analysts from Amberdata have noted that investor behavior shows signs of FOMO (Fear of Missing Out) sentiment.
Greg Magadini, the derivatives product director at Amberdata, stated: "When people fear missing an opportunity and believe prices will rise, they are willing to pay higher funding fees to hold long positions."
Experts believe that the popularity of XRP among retail investors also drives demand. Additionally, the potential for XRP to be integrated into regulated services contributes to this demand. According to analyst Matt Kreiser from Messari, the infrastructure of the XRP Ledger includes integrated compliance features, making this asset promising amid ongoing discussions about stablecoin-related legislation.
The recent price increase may also be influenced by the resolution of a lengthy legal dispute between Ripple Labs and the U.S. Securities and Exchange Commission (SEC). As the case nears its conclusion, analysts believe that an improved legal environment could be a potential driver for the next XRP price