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Stablecoins Hit $322B, Moody's Rating Framework & the CBDC Quiet Track
Audio is available on Spreaker — see link below.
Stablecoin supply crosses $322 billion driven by banks and corporate treasury teams — not crypto traders — as Moody's launches its first dedicated rating methodology and Citi forecasts $4 trillion by 2030. Plus: the U.S. CBDC work happening beneath the political surface, crypto exchange bifurcation, and Ripple's institutional puzzle.
Audio is available on Spreaker — see link below.
Stablecoin supply just crossed three hundred and twenty-two billion dollars, and the growth isn't coming from crypto traders. It's coming from banks, fintechs, and corporate treasury teams.
Citi now puts stablecoin supply at somewhere between one point nine trillion and four trillion dollars by twenty thirty. That's a substantial revision upward, and the reasoning is straightforward: regulatory clarity from the GENIUS Act and the CLARITY Act removed the licensing uncertainty that kept institutional issuers on the sidelines.
Here's where the picture gets more complicated. The Trump administration has publicly opposed a retail central bank digital currency.
The crypto exchange market is splitting into three distinct models. Institutional prime brokerage platforms, broad ecosystem exchanges, and regional specialists.
Ripple secured partnerships with Santander, PNC, and Standard Chartered for cross-border payments via RippleNet and On-Demand Liquidity. That's meaningful institutional validation.
The near-term signals worth tracking are specific. Can Moody's stablecoin ratings hold credibility as supply scales?
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