Moody’s Report Signals a Historic Shift in Digital Finance

Stablecoins no longer just animate crypto exchanges and finance. They are becoming the new standard for banks, according to Moody’s.

Stablecoins redefine usages in global crypto

Moody’s draws a clear conclusion: stablecoins stablecoins are establishing themselves as the new digital cash in the institutional crypto sphere. In 2025, they recorded $900 million in payment volume on the blockchain. This represents an 87% growth compared to the previous year.

This leap is not explained by speculation. It is a structural shift. Banks, asset managers, and marketplaces are indeed using these assets to execute instant settlements, manage their liquidity, or transfer collateral. Stablecoins are even becoming essential for asset tokenization.

JPMorgan, Citi, and BlackRock are already experimenting with or deploying their own systems, demonstrating an active institutional adoption.

Crypto and stablecoin: a strategic duo at the heart of tokenized finance

The report places stablecoins at the center of an ecosystem undergoing tokenization. Bonds, stocks, loans… More and more assets are moving to digital format. These digital securities need a cash equivalent to circulate quickly. This is the role now played by dollar-backed stablecoins.

This dynamic is redefining decentralized finance by linking it directly to traditional infrastructures. The settlement of a tokenized asset can thus occur in seconds without going through classic banking channels.

Europe, with the MiCA framework, as well as other jurisdictions (such as Singapore and the Emirates), are laying the foundations for a harmonized legal framework. This reassures institutions, which can thus allocate massive budgets. Moody’s mentions over $300 billion in investments expected by 2030 for these new financial infrastructures.

Challenges and risks to watch in the new stablecoin era

This rise of stablecoins does not come without warnings. Moody’s cautions against technical risks: smart contract bugs, attacks on custody systems, oracle failures, excessive fragmentation of crypto blockchains. These vulnerabilities could weaken the entire ecosystem if they are not anticipated.

The report emphasizes one point: governance, interoperability, and enhanced security will be required to prevent this progress from becoming a vulnerability. But the movement seems irreversible.

Moody’s report thus outlines a future where crypto and stablecoin form the backbone of a global digital finance. A new era begins and institutions do not intend to miss it.