Stablecoin Payments, 35x Growth, But Actual Usage Only 3%...WTO "Regulation is the Biggest Barrier"

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Cross-border stablecoin payments have grown 35-fold. However, a survey result announced that their share of international payments remains at just 3%.

According to Cointelegraph, a cryptocurrency specialized media outlet, on September 14 (local time), Juan Marchetti, Director of the Services and Investment Division at the World Trade Organization (WTO), identified regulatory gaps as a key obstacle at a stablecoin research presentation event held in Geneva. He stated, “The limiting factor is not technology. The real problem is regulation and the lack of regulatory frameworks.”

Marchetti cited the Financial Stability Board (FSB)'s October 2025 report. Among the 28 jurisdictions surveyed, only 11 had completed stablecoin regulatory frameworks, accounting for 39% of the total. He explained that differing regulations across countries make it difficult to fully utilize stablecoins in international transactions.

The WTO assessed that stablecoins could improve five issues in trade finance. These include high costs, slow processing speeds, limited accessibility, lack of transparency, and foreign exchange constraints. However, due to fragmented regulations across countries, stablecoins account for only 3% of all international payments.

The growth rate itself is steep. According to the WTO report, stablecoin payments in cross-border transactions increased 35-fold from 2020 to mid-2024. This indicates a significant gap between the speed of payment technology adoption and its actual integration into international finance.

Marchetti emphasized that the core problem hindering stablecoin adoption lies more in regulatory frameworks than in technological performance. While the WTO acknowledged the potential for cost and speed improvements in international trade, the establishment of country-specific regulatory frameworks was presented as a key task for expanding actual usage.

[Key Article Summary]

-Cross-border stablecoin payments increased 35-fold from 2020 to mid-2024.

-Among 28 jurisdictions, only 11, or 39%, had completed stablecoin regulations.

-The WTO analyzed that stablecoins account for only 3% of all international payments due to regulatory fragmentation.

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