Crypto experts predict that the total value locked (TVL) in the stablecoin sector will increase to $300 billion and that the acceptance of stablecoins will grow. The majority of the TVL is currently held by USDT and USDC, and experts believe their dominance will continue. The adoption of stablecoins in emerging markets and decentralized applications is expected to accelerate. Users are increasingly looking for ways to generate returns on their stablecoin holdings, leading to the introduction of innovative yield-bearing mechanisms. This demand for earning opportunities is driven by the need to fight inflation without compromising asset stability. However, the introduction of complex yield-generating stablecoins could pose risks for retail users, highlighting the importance of transparent risk disclosure and clear regulatory frameworks. The trend toward yield-bearing stablecoins could drive institutional adoption and their usage in B2B payments and cross-border transactions. Visa and other companies are planning to expand their support for stablecoins in 2025. Regulatory uncertainty and lack of transparency are identified as key challenges for the stablecoin sector, with jurisdictions with clear and understandable rules expected to benefit. Areas of rapid development in the stablecoin market include second-level integration, blockchain compatibility, consolidation, and the emergence of stablecoins with built-in profitability mechanisms.



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