TechFlow news, January 7th, according to a Cointelegraph report, Moody's latest cross-industry outlook report indicates that stablecoins are evolving from native cryptocurrency tools into core infrastructure for institutional markets. The report notes that in 2025, the settlement volume processed by stablecoins increased by approximately 87% year-over-year, reaching $9 trillion. Fiat-backed stablecoins and tokenized deposits are transforming into "digital cash," used for liquidity management, collateral transfers, and settlement.
It is projected that by 2030, investments in digital financial infrastructure will exceed $300 billion, with banks, asset management companies, and market infrastructure providers actively piloting blockchain settlement networks and tokenization platforms. On the regulatory front, frameworks such as the EU's MiCA, U.S. stablecoin proposals, and licensing frameworks in Singapore, Hong Kong, and the UAE indicate a gradual convergence in global regulations.
Moody's warns that as more value migrates to "digital rails," vulnerabilities in smart contracts, oracle failures, and cyberattacks could introduce new operational and counterparty risks.
