Stablecoins to Challenge SWIFT by 2026 with $5T Settlement

Stablecoins to Challenge SWIFT by 2026 with $5T Settlement
This article was prepared using automated systems that process publicly available information. It may contain inaccuracies or omissions and is provided for informational purposes only. Nothing herein constitutes financial, investment, legal, or tax advice.

Stablecoins are rapidly emerging as a formidable competitor to traditional cross-border payment networks like SWIFT, with on-chain settlements already reaching trillions monthly. By 2026, projections suggest stablecoins could handle $3–5 trillion in annual transactions, driven by lower costs, faster settlements, and expanding merchant adoption.

  • Stablecoin on-chain settlements reached $3.3 trillion in July, with 39.7 million active addresses.
  • Ethereum L2 upgrades have slashed transaction fees to sub-dime levels, enhancing cost efficiency.
  • Tokenized T-bills now exceed $7 billion on-chain, with BlackRock's BUIDL fund surpassing $3 billion AUM.
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