Haciyev Reşit 
Goldman Sachs predicts that stablecoins present a significant opportunity in the global payments market. According to the bank’s research, USDC is expected to grow at an annual rate of around 40% by 2027.
This growth is supported by $240 trillion in untapped payments market opportunities and new U.S. regulations, such as the GENIUS Act.
Market Opportunities and Use Cases
According to Goldman Sachs, stablecoins are currently mostly limited to crypto trading. However, they hold huge potential in areas such as cross-border payments, B2B settlements, treasury management, and consumer payments.
Modernization of payment infrastructure and the adoption of digital currencies will enable USDC and other stablecoins to play a critical role in the mainstream financial system.
Institutional Interest and Technology Integration
Circle’s USDC has reached over 500 million users across more than 180 countries. Banks and institutional investors are using USDC and other stablecoins to reduce transaction costs in cross-border payments, increase liquidity, and strengthen financial inclusion. Goldman Sachs forecasts significant growth in institutional-level stablecoin adoption in the coming years.
Future Outlook
Stablecoins have the potential to revolutionize payment systems. The market indicates that digital currencies will be used not only for investment purposes but also as critical infrastructure for daily financial transactions and intercompany payments.
Experts note that global banks and financial institutions must adapt to this transformation—not as an option, but as a competitive necessity.
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