A new report from Galaxy Research highlights a significant shift in the digital payments landscape, predicting that stablecoins will outpace the transaction volume of the US Automated Clearing House (ACH) network by 2026. This anticipated growth is driven by a combination of factors including increased adoption, clearer regulatory frameworks, and a broader range of applications across different industries. The source reports that this trend could reshape the future of financial transactions.
Stablecoin Transactions in the ACH System
Currently, stablecoin transactions account for approximately half of the ACH system's volume. However, forecasts indicate a robust increase in stablecoin usage as more businesses and consumers embrace digital currencies for everyday transactions. The report emphasizes that the evolving regulatory environment is playing a crucial role in this transition, providing the necessary clarity for users and businesses alike.
Impact of the GENIUS Act on Stablecoin Adoption
Moreover, the expected implementation of the GENIUS Act in early 2026 is poised to further enhance the adoption of stablecoins. This legislation aims to create a more favorable regulatory framework for digital currencies, which could lead to increased confidence among users and investors. As a result, the outlook for stablecoins and their role in the future of digital payments appears increasingly optimistic.
In a notable development, United Stables launched U, a fully backed stablecoin designed to enhance liquidity across various financial applications. This move contrasts with the recent report highlighting the growing significance of stablecoins in digital payments. For more details, see U Stablecoin Launch.
