๐๐ญ๐๐๐ฅ๐๐๐จ๐ข๐ง๐ฌ ๐๐จ๐ฎ๐ฅ๐ ๐ก๐ข๐ญ $๐ ๐๐ซ๐ข๐ฅ๐ฅ๐ข๐จ๐ง โ ๐.๐. ๐๐ซ๐๐๐ฌ๐ฎ๐ซ๐ฒ ๐๐ซ๐๐๐ข๐๐ญ๐ฌ ๐ ๐๐ข๐ ๐ ๐ข๐ง๐๐ง๐๐ข๐๐ฅ ๐๐ก๐ข๐๐ญ
โธ The U.S. Treasury Borrowing Advisory Committee (TBAC) just released its Q1 2025 report โ and it's making waves across the crypto world.
โธ According to the report, the stablecoin market could reach $2 trillion by 2028, a massive 8.5x jump from its current $234 billion value in 2025.
โธ Tether (USDT) leads the space with a market cap of $148B (66%), followed by USD Coin (USDC) at $61.5B.
๐๐ก๐ฒ ๐๐ซ๐ ๐๐ญ๐๐๐ฅ๐๐๐จ๐ข๐ง๐ฌ ๐ ๐ซ๐จ๐ฐ๐ข๐ง๐ ๐ฌ๐จ ๐๐๐ฌ๐ญ?
โธ Stablecoins are now being used like "digital cash" for fast, cheap payments.
โธ Big platforms like PayPal already use them, helping bring crypto into the mainstream.
โธ The TBAC report and a Standard Chartered report (April 15, 2025) say monthly stablecoin transactions could grow from $700B to $6 trillion by 2028!
โธ Thereโs also talk of regulatory clarity from the proposed GENIUS Act, which could give stablecoins even more momentum.
๐๐ข๐ฅ๐ฅ ๐๐ญ๐๐๐ฅ๐๐๐จ๐ข๐ง๐ฌ ๐ก๐ฎ๐ซ๐ญ ๐๐๐ง๐ค๐ฌ?
โธ If stablecoins become more popular, banks might have to raise interest rates to keep peopleโs money in savings accounts.
โธ The report suggests that issuers may be required to hold U.S. Treasury bills, which could help stabilize stablecoins and support the U.S. debt market.
โธ But stablecoins also face competition from tokenized money market funds, which offer yield.
๐๐ก๐๐ญ ๐ญ๐จ ๐๐๐ญ๐๐ก ๐๐๐ฑ๐ญ
โธ Right now, USDT and USDC control 92% of the stablecoin market. But with so much growth coming, more regulation will be key.
โธ As stablecoins connect the traditional finance world with digital assets, their role could grow even bigger than expected.
