Build Stablecoin Payment Infrastructure

A

ARK Invest

Big Ideas

Elevator Pitch

Stablecoin transaction value hit $15.6T in 2024, exceeding Visa ($13.1T) and Mastercard ($7.8T). Active wallets reached 23M. Build the payment rails of the future.

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Full Description

The Opportunity

Stablecoin transaction value reached $15.6 trillion in 2024, exceeding:

  • •Visa: $13.1 trillion
  • •Mastercard: $7.8 trillion

Active stablecoin wallets hit 23 million (all-time high). December 2024 recorded $270 billion in daily stablecoin volumes.

Why Stablecoins Win

  • •Instant settlement (vs. 2-3 day ACH)
  • •24/7 operation
  • •Dramatically lower cross-border fees
  • •Programmable money enabling new use cases

What's Needed

  • •Merchant acceptance infrastructure
  • •Banking/fiat on/off ramps at scale
  • •Cross-border payment corridors
  • •Treasury management tools for businesses
  • •Consumer wallets with intuitive UX
  • •Compliance and AML tooling

Impact

Stablecoins are enabling financial inclusion and influencing CBDC development. They're faster and cheaper for cross-border payments than legacy systems.

Discussion

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