Stablecoins Poised to Surpass US ACH Transactions by 2026, According to Galaxy Research Forecasts indicate that stablecoins could handle more transaction volumeStablecoins Poised to Surpass US ACH Transactions by 2026, According to Galaxy Research Forecasts indicate that stablecoins could handle more transaction volume

Galaxy Forecasts Stablecoins to Surpass ACH Transactions by 2026

Galaxy Forecasts Stablecoins To Surpass Ach Transactions By 2026

Stablecoins Poised to Surpass US ACH Transactions by 2026, According to Galaxy Research

Forecasts indicate that stablecoins could handle more transaction volume than the US Automated Clearing House (ACH) network within the next three years. Driven by increasing adoption, regulatory clarity, and expanding use cases, stablecoins are emerging as a significant force in financial transactions. Industry insights from Galaxy Digital’s research arm highlight a growing trend that could reshape the landscape of digital payments and settlement systems.

Key Takeaways

  • Stablecoin transaction volumes are already surpassing major credit card networks such as Visa.
  • Current stablecoin activity processes roughly half the volume of the ACH system, with projections indicating this may increase significantly by 2026.
  • Stablecoin supply growth remains robust, with an annual increase rate of 30%–40%, paralleling rising transaction volumes.
  • Regulatory developments, including the expected implementation of the GENIUS Act in early 2026, are poised to facilitate further expansion of stablecoin usage.

Tickers mentioned: none

Sentiment: Bullish

Price impact: Positive. Stablecoin adoption growth signals increased transaction activity and institutional interest.

Trading idea (Not Financial Advice): Hold—ongoing regulatory clarity and market expansion support stability in the sector.

Market context: Increasing adoption of stablecoins reflects broader shifts toward digital assets in mainstream financial systems.

According to Galaxy Digital’s research, stablecoins are approaching a critical threshold, with their transaction volume now exceeding that of traditional credit card networks like Visa. Currently, stablecoin transactions process approximately half the volume of the ACH system, responsible for a significant portion of US bank payments. The research suggests that by 2026, stablecoins could process more transactions than ACH.

Thad Pinakiewicz, Vice President of Research at Galaxy, highlighted that stablecoin issuance and transaction volumes are growing at a compound annual rate between 30% and 40%. This consistent growth is propelled by increasing acceptance across various sectors, including remittances, payments, and decentralized finance. Regulatory developments, notably the proposed GENIUS Act set for early 2026, are anticipated to provide legal clarity, further accelerating stability and adoption.

The report also projects a bullish outlook for Bitcoin, predicting it could reach a value of $250,000 by the end of 2027. However, Galaxy Research’s head of firmwide research, Alex Thorn, emphasized that 2026 remains unpredictable, though the possibility of Bitcoin hitting new all-time highs cannot be ruled out amid the volatility of the current environment.

Meanwhile, the stablecoin market continues to expand. Data from DefiLlama estimates the total market cap at around $309 billion, with dominant players like Tether and USDC maintaining their lead. Recent developments include Western Union’s plans to launch its own US dollar-pegged stablecoin on the Solana blockchain and Sony Bank’s preparations for a stablecoin integrated into its US ecosystem, including gaming and subscription services. Additionally, SoFi Technologies recently introduced SoFiUSD, a fully reserved US dollar stablecoin issued by SoFi Bank, aimed at enabling low-cost settlements for financial institutions.

Expert Jianing Wu from Galaxy predicts that stablecoin consolidation will occur by 2026, favoring a handful of widely accepted tokens over a broad spectrum of digital dollars. This trend underscores an increasing march toward mainstream adoption and integration of stablecoins in global finance.

This article was originally published as Galaxy Forecasts Stablecoins to Surpass ACH Transactions by 2026 on Crypto Breaking News – your trusted source for crypto news, Bitcoin news, and blockchain updates.

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