Stablecoins recorded their strongest year ever in 2025, fueled by regulation, institutional adoption, and growing real-world payment usage.
Stablecoins had their biggest year on record in 2025, with total market capitalization rising 49%, from $205 billion in January to $306 billion by November, according to DeFi Llama. The surge reflects a shift in stablecoins from primarily trading tools to core financial infrastructure.
Growth was driven by three key factors: the passage of the U.S. GENIUS Act, regulatory clarity in Europe through MiCA, and accelerating institutional adoption. Former CFTC Chair Timothy Massad described the GENIUS Act as a critical step in reducing long-standing risks and providing market clarity.
By October 2025, stablecoins accounted for ~2.3% of global payment flows, signaling increasing use in payment settlement. According to a16z’s State of Crypto 2025, over 1% of all U.S. dollars now exist as tokenized stablecoins, and issuers collectively became the 17th-largest holders of U.S. Treasuries.
These developments mark 2025 as a defining year for stablecoins’ integration into the global financial system.
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