Chainalysis projects stablecoin volume reaching $1.5 quadrillion by 2035, rivaling Visa and Mastercard

$28T in 2025 stablecoin volume already eclipses Visa — but strip out DeFi settlement loops and MEV-adjacent flows and the actual retail payments slice is tiny. Chainalysis hanging $232T on POS saturation by 2035 assumes merchants choose on-chain rails over Stripe's instant fiat settlement, which is a much harder sell than the report lets on. The $100T generational wealth transfer is the more credible catalyst here — if even 5% of inherited assets land in stablecoin wallets, that's organic volume that doesn't depend on merchant buy-in at all.

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