The 2026 Stablecoin Momentum Report
About this Report
The 2026 Stablecoin Momentum Report from zerohash shows that stablecoins have crossed a critical threshold, moving from crypto-native experimentation into core financial infrastructure. Drawing on proprietary zerohash platform data and market analysis, the report captures how stablecoins are now used in real financial operations. The focus has shifted from “if” stablecoins work to how they scale securely and reliably.
Where Stablecoins Are Being Used
Once tied primarily to crypto trading, stablecoins are now embedded across brokerage funding, payments, cross-border settlement, global payroll, and treasury operations. In 2025, usage accelerated not just in volume, but in frequency and value. The data shows repeat, operational usage—evidence that stablecoins are powering day-to-day financial workflows. RFIs related to stablecoins increased 400% year-over-year.
Adoption at Global Scale
zerohash estimates more than 1.4 billion Stablecoin-Ready Accounts (SRAs) globally (consumer accounts on mainstream platforms where stablecoin functionality is live or being enabled). Active stablecoin usage on zerohash grew 146% year over year, while transaction volume increased 690%, signaling adoption in higher-value financial flows. Active users spanned 106 countries, underscoring the role of stablecoins in global finance. Further, in 2025, there were 2,000+ mentions of “stablecoins” in public company filings, marking a 290% increase year-over-year.
Regulation Unlocks Institutional Momentum
Clearer regulatory frameworks have accelerated institutional adoption. In the U.S., improved guidance has enabled compliance-first use cases, while Europe’s MiCAR framework established the first region-wide standard for stablecoin operations. zerohash received MiCAR authorization in November 2025, positioning it to support stablecoin infrastructure at scale across jurisdictions.
What Comes Next
The next phase of stablecoin adoption will be defined by execution, not demand. Success will hinge on compliance, licensing coverage, operational controls, and the ability to abstract complexity across borders and systems. As stablecoins become embedded, invisible infrastructure, the leaders will be those who can operate them safely, globally, and at scale.