Galaxy Predicts Stablecoins Will Overtake ACH Transaction Volume in 2026
Stablecoin transaction volumes are projected to surpass those of the US Automated Clearing House (ACH) system by 2026, driven by regulatory clarity and rising adoption. Stablecoin supply has grown at a 30%–40% annual pace, now processing about half the ACH volume and already exceeding major credit card networks like Visa. The GENIUS Act, expected in early 2026, should further support stablecoin use. The stablecoin market cap is around $309 billion, dominated by Tether’s USDT and Circle’s USDC, but new entrants such as Western Union, Sony, and SoFi are launching dollar-pegged stablecoins targeting payments and digital content. Industry analysts expect TradFi-partnered stablecoins to consolidate, with users preferring widely accepted options. Galaxy Research also predicts Bitcoin could reach $250,000 by 2027 and possibly set new all-time highs in 2026, despite market uncertainty.
