{"id":23974,"date":"2026-04-01T11:43:11","date_gmt":"2026-04-01T11:43:11","guid":{"rendered":"https:\/\/businessprofittoday.com\/index.php\/2026\/04\/01\/stablecoins-are-bigger-than-visa-now-what-does-that-mean-for-your-money\/"},"modified":"2026-04-01T11:43:11","modified_gmt":"2026-04-01T11:43:11","slug":"stablecoins-are-bigger-than-visa-now-what-does-that-mean-for-your-money","status":"publish","type":"post","link":"https:\/\/businessprofittoday.com\/index.php\/2026\/04\/01\/stablecoins-are-bigger-than-visa-now-what-does-that-mean-for-your-money\/","title":{"rendered":"Stablecoins Are Bigger Than Visa Now: What Does That Mean for Your Money?"},"content":{"rendered":"

The post Stablecoins Are Bigger Than Visa Now: What Does That Mean for Your Money?<\/a> appeared first on Coinpedia Fintech News<\/a><\/p>\n

Most people think stablecoins are the boring part of crypto, where you park your money in while you wait for something interesting to happen.<\/p>\n

Last year, stablecoins processed $33 trillion in transactions<\/a> compared to Visa’s $16.7 trillion – nearly double the volume of one of the world’s largest payment networks.<\/p>\n

The scale of that comparison is difficult to overstate. Stablecoins are no longer<\/a> operating at the margins of global finance.<\/p>\n

Stablecoin Issuers Now Hold More US Treasuries Than Germany<\/strong><\/h2>\n

Stablecoin issuers now hold $155 billion in US Treasury bills, more than Germany, Saudi Arabia, South Korea and Israel. Tether alone holds $127 billion. Circle holds $25 billion. Combined, they rank as a top 20 holder of US government debt.<\/p>\n

The market itself has grown from $5 billion in 2020 to $313 billion in March 2026 – a 60x increase in six years. Transaction volume is up 72% year on year. Stablecoins now represent over 1% of all US dollars in circulation, with 99% of them pegged to the dollar.<\/p>\n

The Critical Role of the GENIUS Act<\/strong><\/h2>\n

In July 2025, the US signed the GENIUS Act – the first federal law ever written specifically around stablecoins. Three core rules: every stablecoin must be backed 1:1 by real reserves, issuers must publish monthly reserve reports, and if an issuer goes bankrupt, holders get paid first.<\/p>\n

What it unlocked was immediate. Banks can now issue<\/a> their own stablecoins. Institutions have a legal framework to build on. An EY and Coinbase survey of 211 US institutional investors found 83% believe the GENIUS Act will drive greater willingness to engage with stablecoins, particularly among financial services firms.<\/p>\n

Also Read: Clarity Act Update: Why Are Banks Fighting Against Stablecoin Yield?<\/a><\/strong><\/p>\n

Visa, Stripe, Mastercard: Why Every Major Payment Player Is Moving In<\/strong><\/h2>\n

Visa is integrating stablecoins into its settlement layer. Stripe now accepts stablecoin payments globally. Mastercard acquired stablecoin infrastructure firm BVNK for $1.8 billion. Base processed<\/a> $17 trillion in stablecoin volume across 17 countries in 2025 alone.<\/p>\n

Also Read: XRP News: Ripple\u00a0 Partners With Convera for Stablecoin Cross-Border Payments<\/a><\/strong><\/p>\n

ARK Invest data shows stablecoin transaction volume surging sharply after the GENIUS Act was signed.<\/p>\n

The stablecoin market is projected to reach $2 to $4 trillion by 2030 – roughly 10x from current levels. <\/p>\n

For everyday holders, that shift is already visible – in Argentina and Nigeria, people are using dollar-pegged stablecoins as savings accounts because their local currencies are collapsing. Stablecoins offer dollar stability where traditional banking cannot.<\/p>\n

The dollar is going digital, the infrastructure is already built, and the institutions have arrived.<\/p>\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

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