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 account for 41.6% of this pie, about 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 MMFs: The New Toys for Institutions
The remaining $21 trillion comes from tokenization deposits and Digital Money.