Stablecoins to Reach $5T in B2B Payments by 2035
Juniper Research projects that stablecoins used in cross-border B2B payments could reach $5T by 2035, rising from about $13.4B in 2026 (previously cited for 2024). By 2035, B2B payments are expected to account for 85% of total stablecoin value.
The report argues stablecoins are increasingly embedded in enterprise treasury operations, supply-chain settlement, and international transfers. Its core edge: programmability and 24/7 settlement, which can reduce delays, intermediary fees, FX markups, and SWIFT-related costs compared with traditional banking.
Geographically, the U.S. is forecast to lead by 2035 at $1.7T, followed by Brazil ($453B), Japan ($352B), Mexico ($346B), and India ($171B). Juniper also highlights the need for stronger enterprise integrations and treasury partnerships as adoption scales.
Complementing this, Chainalysis estimates stablecoin transaction volumes could reach $719T by 2035 under “organic growth,” and up to $1.5 quadrillion with macro factors. It also suggests stablecoin-linked cards may compete with Visa and Mastercard rails between 2031–2039 as consumers compare fees, settlement speed, and incentives.
Regulatory integration is a recurring theme, with expectations of global convergence on frameworks that move stablecoins from niche tools toward mainstream financial infrastructure—supporting faster enterprise uptake across payments, treasury, and remittances.
For crypto traders: the stablecoins narrative stays constructive for on-chain liquidity and real-economy payment rails, which may support broader risk appetite even if USDT’s price itself is largely pegged.
Neutral
This news is broadly supportive for stablecoin usage, but it is unlikely to create a direct, immediate price catalyst for USDT because stablecoins are designed to track the U.S. dollar. In the short term, traders may see sentiment uplift from higher projected B2B demand (from ~$13.4B to $5T by 2035, with B2B at 85% of total value), which can improve on-chain liquidity expectations and help market confidence.
In the long term, the combination of programmable 24/7 settlement, enterprise treasury and supply-chain use cases, and regulatory convergence could increase stablecoin circulation and transaction activity—an ecosystem positive for payment rails. However, regulatory timelines, integration execution, and competitive dynamics (e.g., stablecoin-linked cards versus Visa/Mastercard) can introduce uncertainty. Overall, the impact on USDT price action is likely limited, so the stance is neutral rather than clearly bullish or bearish.