稳定币市场于 2025 年 12 月 12 日达到 3100 亿美元，同比增长约 70%。USDT 与 USDC 合计占据约 80% 的市场活动，多项研究显示，机构对稳定币的使用正在从投机转向实际运营场景，主要用于跨境结算与企业支付。行业分析预测，若大型金融机构更广泛整合，到 2028 年稳定币供应量可能达到 2 万亿美元。（Cointelegraph）

<div>稳定币市场于 2025 年 12 月 12 日达到 3100 亿美元，同比增长约 70%。USDT 与 USDC 合计占据约 80% 的市场活动，多项研究显示，机构对稳定币的使用正在从投机转向实际运营场景，主要用于跨境结算与企业支付。行业分析预测，若大型金融机构更广泛整合，到 2028 年稳定币供应量可能达到 2 万亿美元。（Cointelegraph） <br><br></div>

机构采用推动稳定币市场扩张，规模或于 2028 年达 2 万亿美元

The stablecoin market reached $310 billion on December 12, 2025, representing a year-on-year increase of approximately 70%. USDT and USDC together accounted for about 80% of market activity. Multiple studies indicate that institutional use of stablecoins is shifting from speculation to practical operational scenarios, primarily for cross-border settlements and corporate payments. Industry analysts predict that if large financial institutions further consolidate their holdings, the stablecoin supply could reach $2 trillion by 2028. (Cointelegraph)

<div>The stablecoin market reached $310 billion on December 12, 2025, representing a year-on-year increase of approximately 70%. USDT and USDC together accounted for about 80% of market activity. Multiple studies indicate that institutional use of stablecoins is shifting from speculation to practical operational scenarios, primarily for cross-border settlements and corporate payments. Industry analysts predict that if large financial institutions further consolidate their holdings, the stablecoin supply could reach $2 trillion by 2028. (Cointelegraph)<br><br></div>

Institutional adoption is driving the expansion of the stablecoin market, which could reach $2 trillion by 2028.

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