Forecasting the Robust Expansion of Stablecoins in Euros: S&P Analysis Projects Growth to Trillions by 2030

SillyWhale · 2026-02-14T18:15:16+00:00

S&P Global Ratings forecasts significant transformations in the European stablecoin market by 2030, driven by asset tokenization demands. The market could grow from €650 million to between €570 billion and €1.1 trillion. The MiCA regulation will legitimize stablecoins, shifting their use from speculation to practical applications in the digital economy.

SillyWhale

2026-02-14 18:15:16

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S&P Global Ratings presents an ambitious outlook for the European stablecoin market, predicting significant transformations by the end of the next decade. According to the institution’s analysis, the growth of this segment will be driven by increasing demand for asset tokenization, redefining the landscape of digital deposits and investments in the eurozone.

Impressive Numbers: From Current Scale to Projections

The forecast points to a market that will jump from approximately €650 million (estimated for the end of 2025) to substantially higher levels. In an optimistic scenario, S&P predicts that the volume could reach €1.1 trillion, while in a conservative baseline, the segment would hit €570 billion. This latter figure would represent 2.2% of the total deposits held in eurozone banking institutions, indicating a significant market penetration.

MiCA as a Regulatory Turning Point

The European Union’s Markets in Crypto-Assets Regulation (MiCA) came into effect on January 1, 2025, establishing a clear and structured regulatory framework for stablecoin issuers. This legal framework eliminates previous uncertainties and creates favorable conditions for the institutional legitimization of these digital currencies, becoming a catalyst for widespread adoption.

Tokenization and Applications: Beyond Speculation

S&P’s analysis identifies asset tokenization as the main driver of this projected expansion. Unlike the current predominant use in speculative trading, euro stablecoins will take on a leading role in real-world practical applications: settlement of commercial transactions, institutional value reserves, and digital payment infrastructure. This shift in use reinforces the growth trajectory forecasted for the period up to 2030, transforming these currencies into operational tools of the European digital economy, not just trading instruments.

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