Corporate and financial institutions are rapidly planning stablecoin integration, according to a survey conducted by EY-Parthenon. Legislative clarity provided by the U.S. GENIUS Act, enacted in July, has been cited as a turning point, mandating reserve requirements and issuer approval standards for U.S. dollar-denominated stablecoins. Among 350 large-cap respondents, 13 percent already deploy stablecoins for cross-border transfers, while 54 percent intend to adopt within six to twelve months.
Cost-savings emerge as a critical factor: 41 percent of current users report transaction expense reductions of at least 10 percent compared to traditional banking rails. This efficiency gain is driving experimentation with tokenized payments and programmable money features for treasury management and real-time settlement. Infrastructure barriers persist, however, with only 8 percent accepting stablecoin receipts directly, indicating reliance on banking partnerships for integration.
Looking ahead, executives forecast that stablecoins could facilitate between 5 percent and 10 percent of all cross-border payments by 2030, representing $2.1 trillion to $4.2 trillion in volume. The survey highlights stablecoin as a pillar for open finance, supporting liquidity optimization, 24/7 settlement, and seamless interoperability across permissioned and public networks. Further regulatory harmonization and enhancements in technical infrastructure will be required to sustain projected growth and broaden on-chain adoption in global trade ecosystems.
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