2025稳定币聚焦_驾驭新数字金融格局研究报告_31页_1mb

报告摘要

Summary of Stablecoins in Focus: Navigating the New Digital Financial Landscape

Core Content

Stablecoins are gaining significant traction in the financial sector, with the GENIUS Act of 2025 playing a pivotal role in shaping regulatory clarity and accelerating adoption. The EY-Parthenon survey of 350 executives from financial and nonfinancial sectors highlights the growing interest and strategic importance of stablecoins for both corporates and financial institutions (FIs).

Main Points and Key Information

1. Stablecoin Utilization and Adoption

13% of financial institutions and corporates globally have adopted stablecoins for payments or other use cases.
54% of non-users expect to begin using stablecoins within the next 6-12 months.
65% of organizations anticipate increased interest in stablecoins over the next 6-12 months.
54% of firms expect a moderate to significant increase in stablecoin use cases, indicating a strong upward trend.

2. Benefits and Use Cases

41% of stablecoin users reported cost savings of 10%+, primarily due to efficiencies in cross-border payments.
The top use cases for stablecoins are cross-border payments (both paying suppliers and accepting business payments), with 62% and 53% of users respectively.
52% of respondents cited reduced transaction costs as the primary driver of interest, followed by faster cross-border payments (45%) and 24/7 settlement and liquidity (34%).

3. Sector and Revenue Insights

Professional services (23%), financial services (21%), and technology (17%) are the leading sectors in active stablecoin usage.
Organizations with revenues between $10b and $50b show the highest active usage at 19%.
Midsized firms (revenues between $500m and $1b) report 50% achieving 10%-20% cost savings.

4. Corporate Interest and Implementation Plans

87% of corporate respondents believe stablecoins could provide a competitive advantage.
81% of corporates have planned or intend to analyze ROI, with 75% expecting 10%+ savings.
26% of corporates are willing to accept stablecoin payments, increasing to 60% if at least 20% of vendors accept them.
70% of corporates would be more willing to adopt stablecoins if integrated into their ERP systems.

5. Preferred Implementation Approaches

79% of FIs plan to leverage third-party providers for building stablecoin infrastructure and licensing.
56% of FIs consider on-/off-ramp services and digital wallets as top priorities.
56% of FIs are interested in offering services across the stablecoin value chain, indicating a broad range of potential offerings.

6. Regulatory Clarity and Concerns

73% of organizations identified regulatory clarity as a key adoption obstacle.
The GENIUS Act has significantly reduced uncertainty, especially in the US, where 50% of respondents cited accounting and tax treatment as a major concern.
81% of corporates believe supportive legislation will increase their interest in stablecoins.

7. Financial Institutions' Plans and Value Proposition

34% of FIs expect 10%-25% of global payment value to be conducted using stablecoins by 2030.
47% of FIs anticipate a per-transaction fee pricing model.
53% of FIs plan to use a hybrid approach combining internal capabilities with external vendors.
66% of FIs are interested in stablecoins due to faster settlement times, and 65% due to cost reduction compared to legacy systems.

Conclusion

Stablecoins are set to reshape global financial transactions, particularly in cross-border payments, by offering cost savings, speed, and liquidity. With the GENIUS Act and increased regulatory clarity, the path to adoption is becoming more defined, and both corporates and FIs are preparing to integrate stablecoins into their operations. The key to success lies in strategic planning, regulatory alignment, and effective partnerships to ensure smooth implementation and maximize benefits.