tl;dr
A survey by EY-Parthenon reveals 54% of financial institutions plan to adopt stablecoins within six to twelve months, up from 13% currently. Drivers include cost savings (41% report over 10% savings) and faster cross-border payments (62% use cases). USDC (77%) and USDT (59%) dominate, with EURC (45%...
**Stablecoin Surge: Financial Institutions Race to Adopt as Regulatory Clarity and Cost Savings Drive Growth**
A seismic shift is underway in the financial world. According to an EY-Parthenon survey released Sept. 15, 54% of financial institutions and corporations not currently using stablecoins plan to adopt them within the next six to twelve months. This marks a potential leap from the current 13% global adoption rate, signaling a transformative moment for stablecoins—a sector once seen as niche but now poised for mainstream integration.
**Why the Rush? Cost Savings and Speed**
The primary drivers? Reduced transaction costs and faster cross-border payments. Among current users, 41% report savings exceeding 10% compared to traditional methods, with cross-border supplier payments accounting for 62% of use cases. For multinational corporations, the ability to cut costs and streamline global transactions is a game-changer.
**The Power of the Big Names**
When it comes to stablecoins, the market is dominated by a few familiar names. USDC leads the pack, used by 77% of adopters, followed by USDT at 59%. Euro-denominated EURC is also gaining traction, with 45% of organizations leveraging it. These figures highlight a preference for established, trusted assets, even as newer options emerge.
**Regulatory Clarity Sparks Confidence**
Regulatory uncertainty had long been a barrier. Before the passage of the GENIUS Act in July 2025, 73% of organizations cited it as the top obstacle. Now, with the law’s approval, institutional interest is surging. The survey, conducted in June 2025, suggests the legislation is already reshaping perceptions, paving the way for broader adoption.
**Integration Is Key**
For corporations, the path to adoption hinges on seamless integration. 56% prefer embedded APIs within existing treasury platforms, while 70% are more likely to adopt stablecoins if they’re integrated into enterprise resource planning (ERP) systems. Financial institutions, meanwhile, are opting for hybrid models—53% combining internal systems with third-party solutions—to balance control and efficiency.
**Trust Remains a Hurdle**
Despite the enthusiasm, trust is still a challenge. 87% of corporate respondents believe stablecoins can provide a competitive edge, but reliance on traditional financial institutions behind these projects raises concerns. How will institutions balance innovation with the need for transparency and security?
**The Future Is Stable**
EY-Parthenon estimates that stablecoins could account for 5% to 10% of global payment value by 2030, translating to $2.1 trillion to $4.2 trillion. As corporations and banks rush to implement these tools, the question isn’t whether stablecoins will reshape finance—it’s how quickly.
What do you think? Will stablecoins become the backbone of global finance, or will lingering risks hold them back? Share your thoughts below.