Stablecoins no longer just drive crypto exchanges and finance. They are becoming the new standard for banks, according to Moody's.
In brief
- Stablecoins are becoming the new digital cash adopted by global financial institutions.
- Their growth is accelerating the tokenization of finance while posing significant security challenges.
Stablecoins are redefining uses in global crypto
Moody's draws a clear conclusion: THE stablecoins are establishing themselves as the new digital cash in the institutional crypto sphere. In 2025, they recorded $900 million in payment volume on the blockchain. This represents a growth of 87% compared to the previous year.
This jump cannot be explained by speculation. This is a structural shift. Banks, asset managers and marketplaces use these assets to make instant settlements, manage their liquidity or transfer collateral. Stablecoins are even becoming essential for the tokenization of assets.
JPMorgan, Citi and BlackRock are already testing or deploying their own systems. Which proves ainstitutional option now active.
Crypto and stablecoin: a strategic duo at the heart of tokenized finance
The report places stablecoins at the center of an ecosystem in full tokenization. Bonds, stocks, credits… More and more assets are moving to digital format. These digital securities need a cash equivalent to circulate quickly. It is this role that the dollar-backed stablecoins.
This dynamic redefines decentralized finance, by directly linking it to traditional infrastructures. The settlement of a tokenized asset can thus be done in a few seconds, without going through traditional banking channels.
Europe, with the MiCA framework, as well as other jurisdictions (such as Singapore and the Emirates) are laying the foundations for a harmonized legal framework. This reassures institutions, which can thus allocate massive budgets. Moody's mentions more than $300 billion in investments expected by 2030 for these new financial infrastructures.
The issues and risks to watch out for in the new stablecoin era
This rise of stablecoins does not go without warning. Moody's warns of technical risks: smart contract bugs, attacks on custody systems, oracle failures, excessive fragmentation of crypto blockchains. These flaws could weaken the entire ecosystem if they are not anticipated.
The report emphasizes one point: it will be necessary governance, interoperability and enhanced security to prevent this progress from turning into vulnerability. But the movement seems irreversible.
Moody's report therefore depicts a future where crypto and stablecoin form the backbone of global digital finance. A new era is beginning and institutions do not intend to miss it.
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