Stablecoins need to truly become mainstream, and 2026 will be a critical turning point.

The groundwork laid in 2025 is now becoming clear. On one hand, multiple countries are enacting relevant legislation around frameworks like the Genius Act, gradually establishing legal boundaries. On the other hand, institutional attitudes are shifting—payment giants like Visa and Stripe are beginning to rebuild their payment systems, while Circle and Tether are accelerating their integration with national financial systems. Western Union and PayPal are expanding into cross-border personal transactions, and Coinbase and Robinhood are driving demand for personal financial asset management. All these signals point in the same direction: stablecoins are no longer niche products.

By 2026, this momentum will further accelerate. First, the Clarity Act and SEC Project Crypto will continue to advance, making the regulatory positioning of stablecoins clearer. Second, Wall Street’s enthusiasm for on-chain RWA (Real World Assets) will only grow stronger, directly boosting the liquidity demand for stablecoin trading. Most importantly, the combination of AI technology and real-world scenarios will generate new demands—for example, in fields like electricity and energy, a programmable transaction unit is needed to connect productivity and production relations. This unit is stablecoins.

From the fringes to the mainstream, the story of stablecoins is accelerating.