- S&P Global Ratings predicts significant growth for Europe’s digital currency, particularly the euro stablecoin market.
- Total circulation may reach €1.1 trillion by 2030, up from just €650 million by the end of 2025.
- Even in conservative scenarios, estimates suggest a circulation of around €570 billion by 2030, which would be 2.2% of eurozone bank deposits.
S&P Global Ratings has released a forward-looking report that paints an ambitious picture of Europe’s digital currency future. According to the analysis, the euro stablecoin market could experience explosive expansion over the next several years, potentially transforming how value moves across the eurozone. Citing data shared by PANews, S&P suggests that total circulation could climb as high as €1.1 trillion by 2030—a staggering leap when compared to today’s modest figures. By the end of 2025, the market is projected to stand at just €650 million, highlighting how dramatic the expected acceleration really is.
Even under more conservative assumptions, the numbers remain eye-catching. In its baseline scenario, S&P estimates that circulation could still reach around €570 billion by the end of the decade. If realized, that would represent roughly 2.2% of all bank deposits held within the eurozone. Such a share may sound small at first glance, but in traditional banking terms, it would mark a meaningful shift in how individuals and institutions store and transfer money. The report emphasizes that this level of adoption would signal growing trust in blockchain-based financial instruments.
One of the key forces behind this projected expansion is the rising appetite for asset tokenization. Investors are increasingly interested in holding digital representations of real-world assets, from bonds and funds to real estate and commodities. Stablecoins pegged to the euro offer a practical bridge between conventional finance and decentralized infrastructure, enabling faster settlement and improved transparency. As tokenized assets gain traction, demand for reliable euro-denominated digital money is expected to rise in parallel, reinforcing momentum across the sector.
Regulation also plays a central role in S&P’s outlook. The European Union’s Markets in Crypto-Assets Regulation (MiCA), which came into effect on January 1, 2025, provides a clear legal framework for stablecoin issuers and service providers. By setting standards around reserves, governance, and consumer protection, MiCA reduces uncertainty that previously held back institutional participation. S&P notes that this regulatory clarity could attract banks, fintech firms, and large corporations, accelerating mainstream acceptance of the euro stablecoin market.
Looking ahead, S&P expects stablecoins to move far beyond their original role as tools for cryptocurrency trading. Real-world applications—such as cross-border payments, corporate treasury management, and on-chain settlement for tokenized securities—are likely to become more common. As these use cases mature, stablecoins may integrate seamlessly into everyday financial workflows. This broader utility, combined with regulatory certainty and investor demand, underpins S&P’s confidence that the euro stablecoin market is poised for substantial, long-term growth.
Disclaimer: CryptopianNews shares this for learning and info only. It’s not meant to be financial or investment advice. Crypto markets change a lot and move quickly. Investing in them can be risky. You should always look into things yourself. Talk to a trained financial advisor before making any choices about investing.
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