Stablecoin Adoption Mirrors ChatGPTs Growth Trajectory as Citi Forecasts $3.7T Market by 2030

Stablecoins are entering a phase of accelerated adoption comparable to generative AI tools like ChatGPT, with Citi forecasting a market capitalization exceeding $3.7 trillion by 2030 under bullish conditions. The report highlights a pivotal shift in 2025 as stablecoins expand from crypto-native applications to broader financial and public-sector use cases, fueled by regulatory clarity, institutional interest, and global demand for dollar-pegged digital assets. Currently valued at over $230 billion, the stablecoin market has grown 30-fold in five years, underscoring its role in bridging traditional finance and blockchain ecosystems. Citi emphasizes the dominance of USD-backed stablecoins, projected to comprise 90% of circulation by 2030, reinforcing the U.S. dollars influence in digital economies. This growth is driven by their utility in cross-border transactions, liquidity provision, and risk mitigation against cryptocurrency volatility. The analysis positions stablecoins as critical infrastructure for decentralized finance (DeFi) and highlights parallels with AIs breakout adoption patterns, signaling transformative potential for global financial systems. By aligning technological innovation with regulatory frameworks, stablecoins could redefine digital asset integration across commercial and governmental sectors.