A recent report by blockchain analysis firm Chainalysis indicates that if relying solely on natural growth, the trading volume of stablecoins is expected to reach 719 trillion trillion dollars by 2035, representing a significant increase from the 28 trillion dollars in 2025. This forecast already exceeds the current total scale of global cross-border payments, highlighting the potential disruptive impact of this asset class on financial infrastructure.

The report also highlights a key turning point: fundamental changes in intergenerational wealth transfer and payment habits. According to Monitored by Woofun AI, if the baby boomers transfer 100 trillion in wealth to the next generation, which prefers crypto assets, and stablecoins successfully replace traditional payment methods as the mainstream, the aforementioned trading volume could double and approach 1.5 trillion trillion dollars.

It is worth noting that even achieving the more conservative target of 719 trillion trillion dollars would require an annual compound growth rate of 133% over the next decade, which would completely reshape the current market valuation of the stablecoin industry. Existing data further supports this growth trend: global cross-border remittance transactions amounted to approximately 865 billion in 2023 and increased to 905 billion in 2024.

The forecast of 1.5 trillion trillion dollars even exceeds the estimated total value of all global assets, which is 662 trillion trillion dollars. Market analyst Rachael Lucas believes that although 1.5 trillion trillion dollars represents an ideal scenario, concrete actions such as Stripe’s acquisition of Bridge and Mastercard’s collaboration with BVNK, along with the regulatory clarity brought about by the GENIUS Act, are laying the foundation for institutional investors to enter the market on a large scale.

User behavior data also reveals these generational trends: a survey conducted by OKX in January showed that 40% of Generation Z in the United States plans to increase their crypto investments, while the proportion among Millennials is 36%, and only 11% among the baby boomers—this aligns structurally with the macro narrative of wealth transfer.

Additionally, a report released by EY-Parthenon in September indicated that 13% of global financial institutions have already adopted stablecoins, and another 54% of companies plan to start using them within 12 months, suggesting that the penetration rate in the payment sector is about to experience explosive growth.