Moody’s Report Signals a Historic Shift in Digital Finance
Stablecoins are no longer confined to crypto exchanges—they're becoming institutional cash equivalents. Moody's reports $900 million in blockchain payment volume in 2025, marking 87% annual growth. Banks like JPMorgan and asset managers now use them for settlements, liquidity management, and collateral transfers.
The rise of stablecoins accelerates asset tokenization, with bonds, stocks, and loans migrating to digital formats. These instruments require programmable cash equivalents—a role stablecoins now fulfill. Major financial institutions are already building proprietary systems, confirming the trend's momentum.
Security remains the critical hurdle. As adoption grows, so do risks of systemic vulnerabilities. The market must balance innovation with robust safeguards to maintain trust in this new financial infrastructure.
