A Moody's report indicates that blockchain is becoming the core infrastructure of the institutional finance market, with stablecoin payment volume increasing by 87% to reach $9 trillion by 2025.
2026 marks a significant turning point asblockchain solutions are no longer experimental technologies but have become essential infrastructure for the institutional finance market. According to Moody's Digital Finance Outlook 2026 report , a systemic shift is underway across multiple sectors, from clearing and settlement and liquidation management to asset issuance and operation.
Moody's analysts note that the strong growth of Tokenize, the increasing acceptance of managed stablecoins, and the deployment of decentralized payment networks are forming a new class of technology. This class of technology is gradually being integrated into traditional market mechanisms, thereby enhancing transaction speeds and significantly reducing operating costs for financial institutions.
The report emphasizes that blockchain technology in the organizational context does not constitute a separate segment but rather Vai as a set of infrastructure tools to unify previously Shard fields.
Key components include stablecoins backed by cash and government bonds, Tokenize bank deposits, Tokenize financial assets such as bonds and funds, blockchain for clearing and recording ownership, digital asset custody systems, and smart contracts to automate payment processes and post-transaction operations.
Practical applications and development prospects
Blockchain solutions are now widely deployed in cross-border payments, repo transactions, intraday liquidation redistribution, and collateral management. Industry estimates suggest that the volume of payments using stablecoins has increased by approximately 87 percent and is expected to reach approximately $9 trillion by 2025, demonstrating the rapid expansion of blockchain infrastructure adoption in the global financial system.
Analysts predict that major banks, asset management companies, and market infrastructure operators will continue to deploy blockchain for payments, Tokenize , and asset custody in 2026. The main goals are to simplify the issuance of financial instruments, optimize post-transaction processes, and accelerate Capital turnover.
Total investment by the financial sector in digital infrastructure is projected to exceed $300 billion by 2030, marking the convergence of traditional and innovative finance within a unified institutional ecosystem.
Alongside improvements in efficiency, new risks have also emerged. As value increasingly shifts to the digital environment, the roles of cybersecurity, smart contract reliability, and the resilience of custody systems are becoming increasingly important.
The report suggests that the future expansion of blockchain applications will depend on the harmonization of the legal framework, the compatibility between new solutions and traditional infrastructure, and the ability of market participants to ensure operational security.
