ExchangeDEX+

Buy Crypto Markets Spot FuturesGOLD Earn Event Center

Stablecoin growth is surging globally changing the whole financial sector worldwide with the US at its center.Stablecoin growth is surging globally changing the whole financial sector worldwide with the US at its center.

The Rise of Stablecoins in 2025: Adoption, Regulation, and Global Impact

Author: Onfinality

Source: Onfinality

2025/12/05 13:07

7 min read

The Rise of Stablecoins in 2025: Adoption, Regulation, and Global Impact

Imagine sending money overseas in seconds for mere cents, or protecting your savings from inflation by holding digital USD on your phone. In 2025, such scenarios are becoming reality with new narratives like neobanks. Stablecoin growth has exploded, turning these dollar-pegged cryptocurrencies into a backbone of global finance. In this article, we explore what’s driving stablecoin adoption, the implications of the US “GENIUS Act” stablecoin bill, faster global settlements, use cases from low-income economies to institutional treasuries, and how infrastructure platforms like OnFinality are supporting this future. Let’s dive in.

Table of Content

What is Stablecoin?
Why stablecoins matter in 2025
Key Benefits and Use Cases
How OnFinality is supporting the stablecoin growth
Common Questions about Stablecoins
Final Thoughts
About OnFinality

What is Stablecoin?

“Stablecoins” are cryptocurrencies whose values are pegged to a certain asset like USDT is pegged to US dollars, PAXG is pegged to gold and so on. The most popular stablecoins (like USDT or USDC) are fiat-backed: issuers hold traditional assets (cash, U.S. Treasury bills, etc.) in reserves equal to the stablecoins issued, maintaining a 1:1 peg to the dollar. For example, if a company issues 1 million stablecoin tokens pegged to USD, it should have $1 million in actual USD or equivalent safe assets in reserve. This backing and regular attestations give users confidence that they can redeem a stablecoin for real cash at any time. The new U.S. law now requires this full backing for payment stablecoins, which greatly reduces default risk. Other designs include crypto-collateralized stablecoins (over-collateralized by cryptocurrencies) and algorithmic ones, though the latter have proven fragile (e.g. the Terra collapse showed the dangers of an unbacked approach).

Why stablecoins matter in 2025

Today, over $300 billion in stablecoins circulate across public blockchains, up 75% from just a year earlier[1]. In fact, the total stablecoin supply has grown 30× in five years, an astonishing leap that underscores surging demand. For one, global adoption has reached critical mass! In Q3 2025 alone, on-chain stablecoin transfers topped $15.6 trillion, exceeding Visa’s quarterly payment volume. This signals that stablecoins are not just a crypto side-show; they’re becoming a major payments rail worldwide.

Regulatory clarity is also supercharging confidence. The United States passed the Guiding and Establishing National Innovation for U.S. Stablecoins Act (GENIUS Act) in mid-2025, creating the first federal framework for stablecoins. This “stablecoin bill” mandates that USD-backed stablecoins maintain 100% liquid reserves and regular audits, ensuring they truly hold a dollar for every token. By defining stablecoins as a new category of digital payment instrument (not quite securities or bank deposits), the law legitimized them and prioritizes consumer protection, even giving stablecoin holders first claim if an issuer goes bankrupt. The GENIUS Act’s implications are huge: it boosts trust (no more worrying if a stablecoin is fully backed), invites innovation under clear rules, and even ties stablecoins to national strategy (requiring reserves in U.S. Treasuries to uphold dollar dominance). In short, 2025’s regulatory green light means businesses and institutions can adopt stablecoins without as much legal uncertainty.

Equally important, stablecoin growth is reshaping finance for those who need it most. In economies with volatile local currencies or limited banking access, stablecoins offer an economic lifeline. They allow anyone with a smartphone to hold a digital dollar account cheaply and transact globally. This has expanded dollar access in high-inflation countries and emerging markets, empowering people to store value in USD stablecoins when their local money falters. Such grassroots adoption underscores a key point: stablecoins aren’t just a Silicon Valley craze; they’re meeting real-world needs from Argentina to Nigeria.

Key Benefits and Use Cases

Stablecoins rose in popularity by solving real problems. Here are some of the key benefits and use cases driving stablecoin adoption trends today:

Faster Global Settlement: Sending money internationally via stablecoins is near-instant and low-cost, unlike traditional wire transfers that take days. Businesses and individuals can move funds 24/7, bypassing the delays, opaque fees, and forex frictions of legacy banking.
Financial Inclusion & USD Access: Stablecoins allow people in high-inflation or underbanked regions to access a stable currency (often the US dollar) digitally. With just a mobile wallet, someone in a country with a volatile currency can hold value in USD stablecoins and transact globally. In non-U.S. dollar economies, stablecoins effectively let anyone hold a digital dollar account at low cost, without needing a U.S. bank.
Institutional Adoption & Treasury Use: Companies are increasingly leveraging stablecoins for 24/7 liquidity and efficient treasury management. They use stablecoins to streamline cross-border payments, pay suppliers, manage payroll in crypto industries, and optimize cash across time zones. By transacting in stablecoins, firms can settle trades or transfers instantly without waiting for bank hours.
Onchain Finance and Programmability: Another benefit is that stablecoins are programmable money on blockchain rails. This means they can integrate with smart contracts, opening up use cases like decentralized finance (DeFi) lending, yield farming, and micropayments. Users can park stablecoins in lending protocols to earn interest, or use them as stable collateral for borrowing other crypto assets.

How OnFinality is supporting the stablecoin growth

Under the hood, stablecoin transactions work like any blockchain transfer: if Alice sends Bob 100 USDC, that transaction is recorded on the relevant blockchain (Ethereum, for instance) and Bob’s address now has 100 more USDC while Alice’s has 100 less. The settlement is near-instant (just waiting for a block confirmation) and final. Because stablecoins live on public ledgers, they combine the transparency and security of blockchain with the familiarity of a dollar value. Every transfer is traceable on-chain, and the tokens can interoperate with other crypto applications seamlessly.

This is where infrastructure becomes critical and where OnFinality plays a key role. OnFinality is a multi-chain infrastructure platform that provides scalable nodes and API endpoints for blockchain projects. In essence, OnFinality ensures that the networks powering stablecoins stay performant and accessible, so that sending a stablecoin is always fast and reliable. For example, a stablecoin wallet or exchange can use OnFinality’s RPC nodes to read/write transactions to the blockchain without hosting their own nodes. Importantly, stablecoin issuers and dApp developers can leverage OnFinality to scale. Whether it’s a DeFi platform integrating a stablecoin or a payment app processing USDC transactions, they can rely on OnFinality’s infrastructure to handle surging demand. As highlighted in an OnFinality case study, the team behind the Acala USD stablecoin on Polkadot used OnFinality to deploy and manage the blockchain nodes that run their network.

Common Questions about Stablecoins

Why are stablecoins important?

Stablecoins are important because they combine the price stability of fiat currency with the transaction speed and flexibility of cryptocurrency.

How do stablecoins work?

Most stablecoins work by pegging their value to an asset. The common approach is fiat-backed: an issuer holds $1 in reserve for each $1 stablecoin in circulation, keeping the price stable at $1.

Are stablecoins safe to use?

Stablecoins can be very safe to use if you stick to well-regulated, fully backed ones – but like any financial product, there are risks to understand.

Final Thoughts

Stablecoin growth in 2025 showcases how far the crypto industry has come as digital dollars are now integral to global finance, from everyday users in unstable economies to Fortune 500 companies streamlining operations. Clear regulations and real-world utility are propelling stablecoins into the mainstream, cementing their role as a cornerstone of the digital economy. For crypto-savvy builders and businesses, the message is clear: stablecoins unlock speed, efficiency, and inclusion that legacy systems can’t match.

As this evolution continues, robust infrastructure will be key to supporting stablecoins at scale. That’s where platforms like OnFinality prove invaluable, by providing the reliable backend services needed to handle booming usage, they ensure that on-chain dollars “just work” when and where people need them. Stablecoins are here to stay, and they’re transforming how value moves across the world.

About OnFinality

OnFinality is a blockchain infrastructure platform that serves hundreds of billions of API requests monthly across more than 130 networks, including Avalanche, BNB Chain, Cosmos, Polkadot, Ethereum, and Polygon. It provides scalable APIs, RPC endpoints, node hosting, and indexing tools to help developers launch and grow blockchain networks efficiently. OnFinality’s mission is to make Web3 infrastructure effortless so developers can focus on building the future of decentralised applications.

Disclaimer: The articles reposted on this site are sourced from public platforms and are provided for informational purposes only. They do not necessarily reflect the views of MEXC. All rights remain with the original authors. If you believe any content infringes on third-party rights, please contact service@support.mexc.com for removal. MEXC makes no guarantees regarding the accuracy, completeness, or timeliness of the content and is not responsible for any actions taken based on the information provided. The content does not constitute financial, legal, or other professional advice, nor should it be considered a recommendation or endorsement by MEXC.

Tags:

#DeFi #On-chain #DEX #Index #Stablecoins

The gaming industry is in the midst of a historic shift, driven by the rise of Web3. Unlike traditional games, where developers and publishers control assets and dictate in-game economies, Web3 gaming empowers players with ownership and influence. Built on blockchain technology, these ecosystems are decentralized by design, enabling true digital asset ownership, transparent economies, and a future where players help shape the games they play. However, as Web3 gaming grows, security becomes a focal point. The range of security concerns, from hacking to asset theft to vulnerabilities in smart contracts, is a significant issue that will undermine or erode trust in this ecosystem, limiting or stopping adoption. Blockchain technology could be used to create security processes around secure, transparent, and fair Web3 gaming ecosystems. We will explore how security is increasing within gaming ecosystems, which challenges are being overcome, and what the future of security looks like. Why is Security Important in Web3 Gaming? Web3 gaming differs from traditional gaming in that players engage with both the game and assets with real value attached. Players own in-game assets that exist as tokens or NFTs (Non-Fungible Tokens), and can trade and sell them. These game assets usually represent significant financial value, meaning security failure could represent real monetary loss. In essence, without security, the promises of owning “something” in Web3, decentralized economies within games, and all that comes with the term “fair” gameplay can easily be eroded by fraud, hacking, and exploitation. This is precisely why the uniqueness of blockchain should be emphasized in securing Web3 gaming. How Blockchain Ensures Security in Web3 Gaming?

Immutable Ownership of Assets Blockchain records can be manipulated by anyone. If a player owns a sword, skin, or plot of land as an NFT, it is verifiably in their ownership, and it cannot be altered or deleted by the developer or even hacked. This has created a proven track record of ownership, providing control back to the players, unlike any centralised gaming platform where assets can be revoked.
Decentralized Infrastructure Blockchain networks also have a distributed architecture where game data is stored in a worldwide network of nodes, making them much less susceptible to centralised points of failure and attacks. This decentralised approach makes it exponentially more difficult to hijack systems or even shut off the game’s economy.
Secure Transactions with Cryptography Whether a player buys an NFT or trades their in-game tokens for other items or tokens, the transactions are enforced by cryptographic algorithms, ensuring secure, verifiable, and irreversible transactions and eliminating the risks of double-spending or fraudulent trades.
Smart Contract Automation Smart contracts automate the enforcement of game rules and players’ economic exchanges for the developer, eliminating the need for intermediaries or middlemen, and trust for the developer. For example, if a player completes a quest that promises a reward, the smart contract will execute and distribute what was promised.
Anti-Cheating and Fair Gameplay The naturally transparent nature of blockchain makes it extremely simple for anyone to examine a specific instance of gameplay and verify the economic outcomes from that play. Furthermore, multi-player games that enforce smart contracts on things like loot sharing or win sharing can automate and measure trustlessness and avoid cheating, manipulations, and fraud by developers.
Cross-Platform Security Many Web3 games feature asset interoperability across platforms. This interoperability is made viable by blockchain, which guarantees ownership is maintained whenever assets transition from one game or marketplace to another, thereby offering protection to players who rely on transfers for security against fraud. Key Security Dangers in Web3 Gaming Although blockchain provides sound first principles of security, the Web3 gaming ecosystem is susceptible to threats. Some of the most serious threats include:

Smart Contract Vulnerabilities: Smart contracts that are poorly written or lack auditing will leave openings for exploitation and thereby result in asset loss. Phishing Attacks: Unintentionally exposing or revealing private keys or signing transactions that are not possible to reverse, under the assumption they were genuine transaction requests. Bridge Hacks: Cross-chain bridges, which allow players to move their assets between their respective blockchains, continually face hacks, requiring vigilance from players and developers. Scams and Rug Pulls: Rug pulls occur when a game project raises money and leaves, leaving player assets worthless. Regulatory Ambiguity: Global regulations remain unclear; risks exist for players and developers alike. While blockchain alone won’t resolve every issue, it remediates the responsibility of the first principles, more so when joined by processes such as auditing, education, and the right governance, which can improve their contribution to the security landscapes in game ecosystems. Real Life Examples of Blockchain Security in Web3 Gaming Axie Infinity (Ronin Hack): The Axie Infinity game and several projects suffered one of the biggest hacks thus far on its Ronin bridge; however, it demonstrated the effectiveness of multi-sig security and the effective utilization of decentralization. The industry benefited through learning and reflection, thus, as projects have implemented changes to reduce the risks of future hacks or misappropriation. Immutable X: This Ethereum scaling solution aims to ensure secure NFT transactions for gaming, allowing players to trade an asset without the burden of exorbitant fees and fears of being a victim of fraud. Enjin: Enjin is providing a trusted infrastructure for Web3 games, offering secure NFT creation and transfer while reiterating that ownership and an asset securely belong to the player. These examples indubitably illustrate that despite challenges to overcome, blockchain remains the foundational layer on which to build more secure Web3 gaming environments. Benefits of Blockchain Security for Players and Developers For Players: Confidence in true ownership of assets Transparency in in-game economies Protection against nefarious trades/scams For Developers: More trust between players and the platform Less reliance on centralized infrastructure Ability to attract wealth and players based on provable fairness By incorporating blockchain security within the mechanics of game design, developers can create and enforce resilient ecosystems where players feel reassured in investing time, money, and ownership within virtual worlds. The Future of Secure Web3 Gaming Ecosystems As the wisdom of blockchain technology and industry knowledge improves, the future for secure Web3 gaming looks bright. New growing trends include: Zero-Knowledge Proofs (ZKPs): A new wave of protocols that enable private transactions and secure smart contracts while managing user privacy with an element of transparency. Decentralized Identity Solutions (DID): Helping players control their identities and decrease account theft risks. AI-Enhanced Security: Identifying irregularities in user interactions by sampling pattern anomalies to avert hacks and fraud by time-stamping critical events. Interoperable Security Standards: Allowing secured and seamless asset transfers across blockchains and games. With these innovations, blockchain will not only secure gaming assets but also enhance the overall trust and longevity of Web3 gaming ecosystems. Conclusion Blockchain is more than a buzzword in Web3; it is the only way to host security, fairness, and transparency. With blockchain, players confirm immutable ownership of digital assets, there is a decentralized infrastructure, and finally, it supports smart contracts to automate code that protects players and developers from the challenges of digital economies. The threats, vulnerabilities, and scams that come from smart contracts still persist, but the industry is maturing with better security practices, cross-chain solutions, and increased formal cryptographic tools. In the coming years, blockchain will remain the base to digital economies and drive Web3 gaming environments that allow players to safely own, trade, and enjoy their digital experiences free from fraud and exploitation. While blockchain and gaming alone entertain, we will usher in an era of secure digital worlds where trust complements innovation. The Role of Blockchain in Building Safer Web3 Gaming Ecosystems was originally published in Coinmonks on Medium, where people are continuing the conversation by highlighting and responding to this story