Geoffrey Kendrick of Standard Chartered points out that the evolution of digital assets has reached a tipping point where practical utility is beginning to displace mere operational transactionality.
Stablecoins, designed to maintain parity with fiat currencies like the dollar and the euro, have ceased to function exclusively as entry and exit points to the crypto asset market and have become financial safeguard instruments.
This paradigm shift is reflected in market capitalization figures, which recently surpassed $320.000 billion. According to analysis by international financial institutions, this growth responds to a genuine demand for stability in regions where access to foreign currency is limited or costly.
According to experts, the widespread adoption of these digital tools in emerging markets suggests they are fulfilling a savings function that traditional banking systems cannot always address with the same efficiency. This is because, thanks to blockchain infrastructure, many individuals and companies can now manage their money predictably and directly.
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The use of stablecoins has undergone a structural transformation in recent years. According to Kendrick, who is Global Head of Digital Asset Research at Standard Chartered, the function of these stable-value assets has changed significantly.
In his analysis, Kendrick argues that the use of stablecoins has clearly shifted towards savings toolsespecially in emerging markets. A key piece of information provided by the analyst is that capital movement strictly related to the buying and selling of other cryptocurrencies currently represents only 20% of the total volume of stablecoins.
The figures above indicate that the remaining 80% of stablecoin activity is linked to uses outside of market speculation. Users in developing economies employ these assets as a digital store of value which offers protection against the volatility and inflation of local currencies. The ease of transfer and the ability to maintain balances in dollar equivalents digitally without relying on a traditional bank account have accelerated this level of adoption.
According to Standard Chartered's projections, this usage trend is not a passing fad, but the beginning of a larger expansion that could take the stablecoin market capitalization to $2 trillion by the end of 2028.
The current market capitalization of $320.000 billion is a metric that validates end-user confidence in stablecoin technology. The technical advantage of these digital assets lies in their ability to offer near-instantaneous settlements and operational transparency based on verifiable public ledgers. Not subject to banking hours or conventional geographical restrictions, stablecoins enable capital mobility that aligns with the needs of a globalized, digital economy.
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The foundation that supports stablecoins lies in the blockchainThis technology allows for secure transactions without relying on costly intermediaries like banks. This innovation has been key to its expansion, explains Kendrick, who highlights that its low operating cost drives its use in international payments and remittance servicesIn countries with unstable economies, where inflation hits hard, these stable digital assets have become a practical alternative to safeguard the value of money and carry out quick transactions from a mobile phone.
The statements The Standard Chartered executive emphasizes that the market is recognizing the potential of stablecoins to become permanently integrated into the global financial system. The fact that market capitalization has steadily increased over the past year demonstrates underlying demand for them. stable digital liquidity.
Furthermore, Kendrick argues that the advantages of these tools are not limited to individual savings; small and medium-sized enterprises in regions with less developed financial systems are also adopting stablecoins for manage your cash flow and protect yourself from currency fluctuations that affect their profit margins.
The growth to $2 trillion by 2028, projected by the Standard Chartered expert, will depend largely on clarity in operational frameworks and continuous improvement in the usability of digital interfaces. However, the technological foundation is already in place and operational.
The ability to automate payments and connect different networks allows the stablecoin ecosystem to continue growing rapidly. In line with this, the conversation about stablecoins no longer revolves solely around technological innovation, but also around how this alternative is offering concrete solutions to real financial needs in different parts of the world.
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In addition to stablecoins, Geoffrey Kendrick has outlined an ambitious roadmap for the digital asset ecosystem, linking its evolution to global financial infrastructure and artificial intelligence.
According to projections from the Standard Chartered analyst, the market is in a phase where Fundamentals outweigh current price actionKendrick anticipates that, after the current period of macroeconomic volatility, assets like Bitcoin could reach $100.000, projecting this price as a possibility by the end of 2026, and climbing to $500.000 per BTC in 2030 through the optimization of portfolios that integrate gold and digital assets.
The expert also highlights the role of networks like Ethereum and Solana, projecting valuations of $4.000 and $135 respectively by the end of 2026, driven by technological milestones and the rise of micropayments globally.
One disruptive point in their analysis is the convergence between asset mining and AI computingwhere data centers will operate as dual-processing factories. Kendrick also highlights the growth of tokenized Real World Assets (RWAs), estimating that they will reach a market capitalization of $2 trillion, potentially surpassing stablecoins.
Ultimately, the expert anticipates closer integration between the traditional financial sector and the crypto world. In his view, this connection will strengthen the role of the dollar and solidify its presence in the new digital channels that define the modern architecture of global money.
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