2025-12-25 14:27:42

Some institutions predict that by 2026, the trading volume of stablecoins is expected to surpass the size of the US ACH clearing system. This judgment is based on several trends: increasingly transparent regulatory frameworks, large institutions entering the market, and expanding payment scenarios. Simply put, on-chain payments are evolving from a niche activity within the crypto community into a genuine cross-border fund transfer tool.

The key question is—what do users really care about? Essentially, two points: the efficiency of fiat on/off ramps and the convenience of exchanges. Once the scale of stablecoin payments grows, the demand for optimization in these two areas will rise sharply. Currently, some platforms support direct exchanges of USDT to over 30 fiat currencies such as USD, EUR, HKD, and SGD, making the entire process faster and safer. This model is especially suitable for international remittance scenarios—handled by compliant institutions, so users don’t have to worry about fund risks.

From another perspective, all these changes point in the same direction: on-chain fund circulation is becoming a real, usable infrastructure rather than just speculative hype.

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UncommonNPC

· 6h ago

Breaking through ACH volume? Sounds pretty impressive, but the real money depends on the speed of fiat on and off ramps, which is the bottleneck. After stablecoins become popular, cross-border remittances are likely to undergo reshuffling, and traditional banks will be panicking. Honestly, it still depends on who can make the user experience smoother first; the technical barrier isn't that high. Regulatory compliance is a good thing; finally, we don't have to worry about fund black holes. Truly usable infrastructure should be like this. The 2026 timeline is a bit aggressive, but as long as the trend is correct, it's fine. This wave is mainly driven by institutions; retail investors can just follow along. Fiat on/off ramps are the core competitive advantage. Whoever makes the entry and exit of over 30 cryptocurrencies the fastest wins. From a payment perspective, stablecoins are indeed filling the gaps in traditional finance, but calling it infrastructure might be a bit of an overstatement.

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YieldWhisperer

· 6h ago

Will ACH volume break through in 2026? Hey, that term sounds exciting, but who can actually take over to make it happen is still the key. Whether stablecoins are popular mainly depends on how smooth the fiat on/off ramps are. With over 30 exchange options, it’s just so-so; the actual usage still revolves around a few. Regulatory-compliant institutions sound reliable, but the problem is that fees will have to go up again. Wait, isn’t this just traditional payments with a new shell? Trust me, the real killer app hasn’t appeared yet; right now, everyone is just hyping the concept.

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MoonlightGamer

· 6h ago

Will ACH reach a breakthrough in volume by 2026? It sounds good, but the key still depends on whether the two bottleneck areas of fiat on/off ramps can be truly resolved. Stablecoins have been popular for so long, but in the end, it all comes down to whether you can quickly exchange them for USD. Over 30 fiat currency exchanges sound impressive, but how many real-world scenarios can actually be used? Regulatory compliance institutions have indeed reduced risk, but at the same time, transaction fees will have to rise. It's not that I don't have confidence, but this prediction will have to wait until 2026 for validation. How many variables are there in between? The ACH system has been running for decades, but can stablecoins really catch up within two years? That might be a bit exaggerated. When it comes to payment infrastructure, talking is much easier than doing. For now, we're still in the testing phase.

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GateUser-a180694b

· 6h ago

Will we surpass ACH by 2026? I actually want to see if stablecoin payments really become widespread by then. The breakthrough still depends on the two loops of fiat on and off ramps. Now, platforms support quite a few more cryptocurrencies, which is indeed convenient. But to be honest, many people are still afraid of getting "scalped." We need more institutions to truly get involved. As for on-chain infrastructure, I've heard too many distant promises. Let's wait and see the actual application data.

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AirdropATM

· 6h ago

Breakthrough in ACH volume by 2026? To be honest, this talk is a bit early, but whether fiat on/off ramps are smooth is the real point of interest. Wait, I haven't felt any progress in the over 30 fiat currency exchanges. The platforms I've used are still the same. After all these years of hype about on-chain infrastructure, when will it actually be useful? Will this finally be implemented or just continue to be a PPT dream? I'm a bit tired.

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zkProofInThePudding

· 6h ago

That's right. Last year, they were still hyping up on-chain payments, and now some institutions have actually taken it on. That's the real deal. Once stablecoins really take off, the key to cross-border remittances will be in our hands. Traditional finance should be trembling. ACH and similar systems should have been phased out long ago. The speed is simply incomparable. Wait, 2026? Feels like we have to wait again. Hopefully, it's not just empty promises.

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ZKProofEnthusiast

· 6h ago

Stop bragging, the key is how fast the withdrawals are... 2026? You should start running now Stablecoins became popular mainly because deposits and withdrawals are too slow, that's the real pain point Big institutions entering the market sounds good, but they just want to harvest retail investors' gains Wait... Are these more than 30 fiat currency exchange methods real? Why does my platform still only support the usual three? But on the other hand, cross-border transfers do have potential

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