A new study by Juniper Research, the foremost experts in fintech and payments markets, forecasts that by 2028, the savings to be gained through using stablecoins will reach $26 billion globally; increasing 73% from $15 billion in 2025.
These savings will be driven by adoption in key financial sectors, such as cross-border payments, and by eliminating intermediaries, through the use of decentralised blockchain systems instead of traditional banking payment rails. This increases efficiency and lowers transaction costs for businesses. Stablecoins are cryptocurrencies tied to the value of fiat currencies.
Cross-border Payments Comprise Majority of Savings
Juniper Research found that most of these savings will be achieved in the cross-border B2B payments sector, where many intermediaries result in high transaction fees. Stablecoins offer a faster and cheaper alternative, particularly within industries with frequent, high-value international payments like finance and logistics.
Research author, Lorien Carter, commented: “These sectors will benefit from smart contracts, which automatically execute cryptocurrency transactions once predetermined conditions are met; enabling simultaneous security swaps while mitigating settlement failure. Vendors seeking streamlined international payments must consider integrating these solutions.”
US to Lead
The report predicts that North America will achieve the highest potential savings from stablecoin adoption; representing a third of the global savings by 2031. This is due to its innovative B2B-focused solutions, with stablecoins specifically targeting inefficient payments.
Crypto-friendly regulations are expected imminently in the US; presenting a strong opportunity for US-based stablecoin companies to expand their activities. As clear and comprehensive regulations are crucial for encouraging risk-averse companies to invest in stablecoin solutions, crypto-focused vendors in the US must focus on building strong partnerships with traditional financial institutions.
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