2026年全球稳定币报告_从概念炒作到价值落地_73页_5mb

Global Stablecoins Report 2026 Summary

Core Content

The Global Stablecoins Report 2026 explores the evolution and impact of stablecoins on the global payments landscape, emphasizing their transition from experimental tools to essential components of financial infrastructure. The report highlights the growing integration of stablecoins into mainstream financial systems, driven by their operational efficiency, cost savings, and regulatory clarity.

Main Viewpoints

• Stablecoins as a Bridge Between Traditional and Digital Finance: Stablecoins combine the benefits of blockchain technology with the stability of fiat currencies, offering a viable solution for cross-border payments, treasury operations, and digital commerce.
• Operational Efficiency and Cost Reduction: Stablecoins enable near-instant settlement, 24/7 availability, and lower transaction costs, significantly reducing the friction in global payments.
• Regulatory Clarity and Institutional Adoption: With the emergence of frameworks like the GENIUS Act (US) and MiCA (EU), stablecoins are becoming more regulated and accepted by financial institutions, enhancing trust and compliance.
• Strategic Importance for Financial Institutions: Banks and PSPs are repositioning themselves in the stablecoin ecosystem, focusing on infrastructure roles such as on- and off-ramps, wallet integration, and compliance monitoring.
• Merchant and Consumer Adoption: Merchants are beginning to accept stablecoins for global transactions, and consumers are using them for direct payments, bypassing traditional financial intermediaries.

Key Information

Market Growth and Adoption

• Total stablecoin market capitalisation in 2026 is approaching USD 317.9 billion, with projections indicating it could exceed USD 2 trillion in the coming years.
• By 2026, over 700 million people globally own cryptocurrencies, with stablecoins playing a central role in practical applications.
• Cross-border payment corridors with high costs (e.g., Sub-Saharan Africa) are particularly well-suited for stablecoins, which can reduce costs by over 75% in some cases.

Stablecoin Categories

Operational and Strategic Impact

• Banks: Face both opportunities and challenges in integrating stablecoins, including changes in funding models and the need for compliance and governance.
• Merchants: Benefit from faster, cheaper, and more transparent payment flows, especially in cross-border transactions.
• PSPs: Can reimagine settlement and orchestration processes, leveraging AI for real-time routing, FX optimisation, and fraud detection.

Technology and Integration

• AI Integration: Enables dynamic routing, compliance automation, and real-time fraud detection, enhancing the efficiency and security of stablecoin transactions.
• Interoperability: Solutions like Ingenico and WalletConnect allow merchants to accept stablecoins through existing point-of-sale systems, simplifying adoption.
• Real-world Use Case: A café in Lisbon accepted stablecoin payments via standard POS terminals in January 2026, demonstrating the practicality of stablecoins in everyday commerce.

Report Roadmap

1. Introduction: Overview of stablecoins in 2026 and their transition from experimentation to enterprise adoption.
2. Stablecoin Fundamentals: Definitions, categories, and the value chain of stablecoins.
3. Enterprise Use Cases: Practical applications in B2B payments, cross-border settlements, and treasury management.
4. Infrastructure and Orchestration: Integration of stablecoins with traditional financial systems, including bridging TradFi and Web3.
5. Compliance, AML, and Risk: Analysis of regulatory, compliance, and fraud considerations.
6. From Innovation to Integration: Strategic implications for institutions as stablecoins become mainstream.

Future Outlook

• Stablecoins are expected to become a core component of modern payment architecture.
• The report emphasizes the importance of anticipating change rather than reacting to it, urging institutions to develop flexible strategies.
• Collaboration across banks, merchants, and PSPs is key to overcoming challenges and enabling adoption.

Conclusion

Stablecoins are not replacing traditional finance, but rather rewiring it from within, offering a new layer of infrastructure that enhances efficiency, reduces costs, and improves transparency in global payments. As they move from niche assets to core tools, the report serves as a guide for understanding their role and implications in the evolving financial ecosystem.