What faster than Bitcoin will lead to mass adoption of cryptocurrencies?

But this is not the end of surprises. In 2024, Stablecoin served transactions worth over $ 27.6 trillion. Do you know what that means? That the total volume of Visa and Mastercard transactions was outlined. Let me repeat: Stablecoin has pierced the two largest card systems in the world.

Who would have thought that boring, stable crypto can be such a game?

Genius Act – a law that will change everything

Just yesterday, June 17, 2025, the American Senate voted by the Genius Act (Guiding and Establishing National Innovation for Us Stablecouins). This is the first comprehensive regulation of Stablecoin in US history, which is just going to the House of Representatives.

Why is it so important? Because as the Americans say: “Having / Abiding by Rules is Important”which in free translation means “possession / compliance with the rules is important” (although I admit that writing it makes me feel like giving myself a kick 😅). In any case, I got through this regulatory gibberish so that you don’t have to and write down the most important assumptions below.

What exactly says Genius Act?

• Stablecoin emitters will have to freeze tokens at the request of law enforcement agencies
• Natural persons will keep the right to storage independently Stablecoin (uff!)
• Issuers will not be able to offer native yield owners (end of 10% APY on Stablecoin?)
• Private reserves and keys must be kept by a federal trustee supervised
• Stablecoin will be supported 1: 1 USD equivalents (no FDIC needs)
• The State Treasury may block incompatible stableleins from the US market (tether, can you hear?)
• Issuers must show monthly reserve audits from the accounting company registered in the USA

It sounds like dry recipes, but in practice it means one thing: Stablecouins are just getting green light to expand from the world’s largest economy.

Who has already jumped on board?

The list of companies catching a Stablecoin wave looks like a VIP event, which I did not get an invitation – I have the impression that there are everyone there but me!

• Walmart and Amazon – According to Wall Street Journal, both retail giants explore the possibility of emissions of their own Stablecoin.
• Société générale – The French bank plans to release publicly traded Stablecoin supported by dollar.
• Santander – Spanish banking giant is considering expansion into digital assets, including early stablelein emission plans.
• PayPal – Already in 2023 they released Pyusd, becoming the first large fintech company with their own Stablecoin.
• World Liberty Financial – Donald Trump’s crypto project has launched USD1 this year, which already has a market value of around $ 2.2 billion.

According to Fireblocks, until 48% of companies indicate the speed of settlements as the main advantage of the Stablecoinand lower fees go to the background. Worldpay accelerated the settlement time by 50% thanks to Stablecoin!

Why stablecoin, not Bitcoin?

Here we come to the heart of the case, which Kamil Jarząbek talked about. Bitcoin is revolutionary, but it has several fundamental problems as a means of payment:

• Slowness – Bitcoin transactions can last from 10 minutes to a few hours if the network is overloaded.
• Costs – In periods of postponement of the network, fees can reach dozens of dollars.
• Variability – In the long run, Bitcoin is great in storing values, but in a short term he is still considered to be highly variable asset.

Stablecouins solve all these problems:

• ✅ stable value (1 USDC/USDT = always 1 USD)
• ✅ Transactions in seconds
• ✅ Costs calculated in centers or even fractions of cents
• ✅ Simple as a bank transfer

Real game changer: speed, not savings

Fireblocks conducted a fascinating survey among 300 payments and banks. Results? Surprising:

• 85% sees new regulations as a green lightnot red tape
• 86% claims that their wallets, API and Compliance tools are ready for stablelein support
• 71% of companies in Latin America are already using Stablecoin for cross -border payments

The most interesting is that companies do not look at stablecoin as a way to cut costs. This Growth lever – A way to reach new markets, new customers and create completely new business models.

Broner himself recently showed an analysis that opened my eyes on the scale of this change. Let’s take a typical transaction for $ 100. In the traditional credit card system, Merchant (seller) pays $ 3.20 commission. From this, the bank issuing the card takes the lion part – as much as $ 2.80 (almost 88%!), The card network operator takes its 15 cents, and the payment processor remains poor 25 cents.

Now note – in the case of Stablecoin, the same transaction costs a merchant only $ 1.50. It’s over 50% of savings! But this is not the end of magic. The whole amount goes to the payment processor, which earns $ 1.09 – more than 3 times more than in the traditional system. No wonder that payment processors are pushed to the stableleins like crazy. They can offer a cheaper product and at the same time earn many times more. This is the mythical Win-Win, which everyone dreams about in business.

Barriers to overcome

Of course, not everything is pink. As the Pymmens analysis notes, Stablecouins still have to overcome “the abyss of acceptance”:

1. Acceptance with merchants – Credit card networks did not reach universality being technically elegant. They scaled because the sellers had encouragement, tools and support.
2. Infrastructure – At the beginning of the existence of debit/ credit cards, the quota threshold often applied, from which the seller accepted the cards. Along with the development of the payment network, the limits were removed, which led to even more common use of cards. It will be similar with Stablecoin, which already offer significant benefits to the merchants, and with the development of the service network the service will become even more efficient and more profitable for customers and sellers.
3. Fluidity fragmentation – In places such as Latin America, Africa or Australia, orders for USDT and USDC may differ dramatically.
4. UX and interfaces – For mass adoption, the user’s experience must match or exceed the simplicity of Venmo, Stripe or credit card terminals

What next? Look into the future

The Standard Chartered and Zodia Markets forecast that stablecoin can reach the equivalent of 10% of the American money supply and currency transactions, up from the current 1%. This would mean an increase to over $ 2 trillion market value!

Paolo Ardoino, CEO of Tether (Stablecoin’s greatest issuer), claims that Companies trading companies will be the biggest driving force for the Stablecoin adoption in the next 5 years. And he is already preparing for the next wave of competition, when mainstream financial players will start releasing their own digital dollars.

Puenta: Bitcoin has opened the door, stablecoins will pass through it

Don’t get me wrong – Bitcoin remains the king of Krypto. He opened his eyes to the possibilities of blockchain technology. But when it comes to mass adoption in everyday payments, stablecoin has all aces in their sleeve.

As Kamil Jarząbek said during the panel – and now I fully agree with him – it is through Stablecoin that cryptocurrencies will enter the mainstream. Not because of speculative assets, not through memes with dogs and cats, but because of boring, stable, digital dollars that simply … work.

And you know what? Maybe this boredom is what we needed to make the crypto cease to be a toy for geeks and detegs, and becomes a tool for everyone?

Ps. If you are wondering how to play stableins (after all, it is difficult to earn on something that by definition has a stable price), I will tell you: Circle ($ CRCL), Coinbase ($ coin) which receives 54% of Circle revenues, and fintechy like PayPal, Block or Stripe. It is worth getting interested in Tradfi entering the Stablecoin Business. But this is not an investment advice! As always, the Dyor 😉