A new report from HTX Ventures suggests that stablecoins and Real-World Assets (RWA) are set to bridge the gap between traditional and decentralized finance, potentially transforming the DeFi landscape.
The report reveals that the use of stablecoins in blockchain transactions has surged from 3% in 2020 to over 50% by late 2024. With the global cross-border B2B payments market valued at approximately $40 trillion, stablecoins are emerging as essential facilitators of international trade.
This growth coincides with upcoming U.S. regulatory developments as the House Financial Services Committee prepares to introduce what could become the first comprehensive stablecoin legislation passed by Congress. Additionally, major financial players, including PayPal and Stripe, are already exploring stablecoin integration.
HTX Ventures anticipates that these developments will drive further adoption of crypto wallets, stablecoins, and blockchain-based payment channels among banks, enterprises, and individuals.
The report also notes that the RWA market has shown positive growth during the bear market cycle, driven by stable returns. Unlike cryptocurrencies, the value of RWAs remains unaffected by market volatility, making them a crucial component in building a stable DeFi ecosystem. The report referenced Binance’s projections that the RWA market could reach $16 trillion by 2030 and highlighted moves by firms like BlackRock and Tether to develop tokenized assets and compliance tools.
HTX Ventures pointed to innovations emerging in both sectors, such as Treasury-backed stablecoins like Ondo Finance’s USDY, which leverage U.S. Treasury bonds as collateral, and platforms like Ethena that introduce volatility-driven yield stablecoins to capitalize on crypto market fluctuations. Meanwhile, Curve’s crvUSD is increasingly using RWAs as collateral.
The report identifies significant opportunities in niche markets, particularly in private credit and on-chain forex. It emphasizes the need for advancements in cross-border payment infrastructure and multi-pool stablecoin aggregation platforms as key focus areas for future development.
This report is the latest in the string of predictions by HTX Ventures. Notably, in December 2024, it forecasted that significant policy changes could occur under Donald Trump in the United States in 2025. The firm claimed this shift could boost institutional adoption of Bitcoin, solidifying its role as a key dollar-denominated asset.
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