📈📉 Stablecoins (USDT and USDC): Two Possible Scenarios for Adoption in Daily Life and Competition with Mastercard/Visa
Stablecoins like USDT (Tether) and USDC (Circle) are gaining traction as means of payment and digital value storage. Below are two objective scenarios: one of adoption (bullish) and another of limitation (bearish), considering regulatory, technological, and market factors.
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🐂 Bull Scenario (Adoption and Growth)
If there are clear regulatory advances, partnerships with financial institutions, and integration with global payment systems, stablecoins may capture a significant share of global transaction volume.
Bullish Projections:
2025–2026: Increased acceptance in e-commerce, international remittances, and B2B payments.
2027–2030: Transaction volume of USDT and USDC potentially surpassing, on an annualized basis, networks like Mastercard and Visa, especially in emerging markets and among businesses.
Bullish Factors:
Favorable regulation, integration with fintechs, growth in usage in countries with unstable local currencies, and advancements in CBDCs that validate the model.
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🐻 Bear Scenario (Limitation and Restrictive Regulation)
If governments adopt restrictive measures against private stablecoins, favoring state digital currencies (CBDCs) or imposing heavy compliance regulations, growth may be severely limited.
Bearish Projections:
2025–2026: Growth stalled by requirements for 100% bank reserves or prohibitions in key markets.
2027–2030: Usage restricted to market niches (crypto assets, DeFi), with transactions well below the volumes of major traditional payment brands.
Bearish Factors:
Regulatory pressure, KYC/AML restrictions, massive launch of CBDCs, and central banks' resistance to private currencies.
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✅ Conclusion
The future of stablecoins like USDT and USDC will depend on global regulatory evolution, the ability to integrate with the traditional financial system, and adoption by major payment players
