fintech / news / / Business Today
Stablecoins, tokenised deposits, and central bank digital currencies (CBDCs) are rapidly emerging as the next generation of digital money.
Stablecoin market cap is projected to exceed US$300 billion by April 2026, up from US$50 billion in 2021.
KEY POINTS
- The US GENIUS Act, signed in July 2025, imposes strict reserve rules on stablecoin issuers.
- Global stablecoin transaction volumes are estimated to reach US$62 trillion in 2025, but only a small share comes from real-economy payments.
- Wholesale CBDCs for institutional use are progressing faster globally than retail CBDCs for consumers.
- Tokenised deposits may allow holders to earn interest in many jurisdictions, unlike stablecoins.
COMPANIES
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