Editor's PiCK
Annual stablecoin transfer volume hits $35 trillion…real-world payments remain at 1%
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Summary
- McKinsey and Artemis Analytics said that of last year’s $35 trillion in stablecoin transfers, only about 1% was used for real-world payments.
- The report found that $380 billion in stablecoins used for real-world payments accounted for 0.02% of the global payments market, with most activity concentrated in DeFi, asset management, and exchange transfers.
- McKinsey cited regulatory uncertainty as a hurdle, projecting that stablecoins could see wider use as tokenized cash payment instruments once rules are clarified, while Coincu.com’s research team said that around 2025, greater regulatory clarity and institutional participation could lift real-world payment usage.
While on-chain stablecoin transaction volumes have surged, their share used for actual real-world payments remains limited. The persistent gap between blockchain activity and real-economy use continues, according to the assessment.
According to Coincu.com on the 24th (local time), McKinsey and Artemis Analytics said in a joint report that last year’s stablecoin transfer volume topped $35 trillion. However, only about 1% of that total was used for actual payments such as payroll and cross-border remittances.
The report said stablecoins used for real-world payments totaled about $380 billion, accounting for just 0.02% of the overall global payments market. Most transactions were concentrated on exchange transfers, DeFi, and asset-management purposes.
McKinsey pointed to regulatory uncertainty as a key reason stablecoins have yet to spread as a practical payment method. The report projected that if the regulatory framework is put in place, stablecoin usage could expand as tokenized cash payment instruments.
Market participants also see policy changes as a potential inflection point. Coincu.com’s research team said that around 2025, if regulatory clarity improves and institutional participation broadens, stablecoin adoption for real-world payments could rise gradually. Past cases in financial markets show that clearer regulation has previously accelerated the pace of system integration, the team added.
