The future of stablecoin payments is accelerating to arrive.

Some investment institutions predict what this track will look like by 2030. Payment traffic could surge to a scale of $56.6 trillion at an annual growth rate of 81%. It sounds crazy, but there are already people validating this logic.

Let's first look at signals from the financing side. Payment company Rain recently raised $250 million, with a valuation approaching $2 billion. More critical data is— their active card base is growing, by 30 times. What about annual payment volume? Nearly 40 times growth. In other words, both user numbers and real transaction scales are exploding.

What is behind these cards? Mainstream stablecoins like USDT and USDC, running on blockchains such as Ethereum, Solana, Tron, and Stellar. A key point is— users don't need to understand encryption technology at all. They just get an ordinary payment card, with an experience no different from traditional payments, but settlement could be instant.

But reality isn't that simple. Some believe that stablecoin payments are actually quite limited in developed markets—after all, Visa and Mastercard are already well established. However, the demand from merchants is different. Instant settlement, refund protection, no middleman fees... these are real needs for cross-border merchants or small and micro businesses.

Regulations are also catching up. The US has passed relevant legislation, and Canada and the UK plan to introduce stablecoin regulatory frameworks around 2026. In plain language— this track is gradually moving from the gray area toward standardization. The combination of payment cards, stablecoins, and blockchain looks set to become the mainstream story in the crypto payment field by 2026.