Are institutions about to take action? The stablecoin market is set to skyrocket to $15 trillion within 7 years.

The largest asset custodian bank in the United States, BNY Mellon, has just released a shocking figure: by 2030, the total size of the stablecoin, tokenization deposits, and digital money market funds could reach $3.6 trillion. This is not some illusory concept, but a real transformation occurring in institutional finance.

Why do stablecoins need to take off?

Stablecoins are expected to occupy 41.6% of this market, approximately 1.5 trillion USD. Why have institutions suddenly fallen in love with them? It's simple—speed and control.

Traditional bank transfers take days, while stablecoins can be settled in minutes. Pension funds no longer have to wait for margin settlements, but can allocate capital to respond to market fluctuations in seconds. With fewer delays from intermediaries, there are fewer errors, reduced operational risks, and greater control over real liquidity.

Tokenization Deposits and Digital MMF: The New Toys for Institutions

The remaining $21 trillion comes from tokenized deposits and Digital Money market funds. It sounds complex, but it's really just moving the old financial system onto the blockchain—faster, more transparent, and harder to get wrong.

Hedge funds and companies can move money in real time between different accounts or products, as flexible as playing with building blocks. Cash management has transformed from “waiting” to “instant.”

Regulatory clarity has emerged, allowing institutions to bet.

MiCA has been legislated in Europe, and the United States and Asia are also following suit. Without regulation, institutions, even if optimistic, dared not invest money. Now that the rules have become clear and legal risks have decreased, it can truly unlock trillions of dollars in capital to enter the market.

Underlying Logic: Blockchain as a Supplement Rather than a Replacement

BNY Mellon manages $53 trillion in assets. Their position is clear: blockchain is an enhancement tool for traditional finance, not a disruptor. It provides transparent records, auditable transaction trails, and helps reduce reconciliation errors and regulatory costs.

So this wave is not a revolution, but rather a penetrative upgrade of institutional finance—using new technology to solve old problems. Stablecoins have shifted from idealism to realism, transforming from toys for tech enthusiasts into tools for Wall Street.