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市場調查報告書
商品編碼
2024033
穩定幣和央行數位貨幣平台市場預測——全球平台、技術、用例、部署與整合、最終用戶和地區分析——2034年Stablecoin & CBDC Platforms Market Forecasts to 2034 - Global Analysis By Platform, Technology, Use Case, Adoption & Integration, End User and By Geography |
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全球穩定幣和央行數位貨幣平台市場預計到 2026 年將達到 261 億美元,在預測期內以 11.8% 的複合年成長率成長,到 2034 年將達到 638 億美元。
穩定幣和央行數位貨幣(CBDC)平台是支援發行、管理和交易由中央銀行支持的資產或加密資產的數位金融基礎設施。穩定幣提供價格穩定性並促進全球交易,而央行數位貨幣則提供受監管的數位貨幣,供國家使用。這些平台包含錢包解決方案、交易處理、合規監控和智慧合約等功能。隨著數位金融、跨境支付以及私人和政府支持的數位貨幣的發展,對安全、高效和透明的金融體系的需求日益成長,推動了這些平台的普及。
數位貨幣的傳播
區塊鏈應用在金融服務領域的日益普及,進一步推動了對穩定幣發行平台的需求。機構投資者對數位資產的興趣也日益濃厚,增強了市場信心並促進了穩定幣的普及。穩定幣與去中心化金融(DeFi)生態系統的融合,正在催生新的交易模式和流動性池。此外,穩定幣平台正在簡化跨國匯款流程,降低交易成本和結算時間。這些因素共同推動了市場擴張。
對穩定幣價格波動性的擔憂
市場參與企業擔憂脫鉤風險,可能會削弱人們對穩定幣平台的信心。缺乏全球統一的監管標準加劇了不確定性,並限制了某些司法管轄區機構投資者的採用。此外,發行平台的流動性錯配和營運效率低也會阻礙其可擴展性。網路安全事件和管治缺陷也引起了投資者和監管機構的擔憂。這些挑戰疊加在一起,正在減緩穩定幣和央行數位貨幣(CBDC)平台市場的成長勢頭,而該市場原本應該保持強勁的成長勢頭。
央行數位貨幣(CBDC)計劃
央行數位貨幣(CBDC)有望透過為沒有銀行帳戶的人提供安全、低成本的數位支付選擇,促進普惠金融。與現有銀行系統的整合將增強互通性和信任度。此外,CBDC允許中央銀行直接管理數位貨幣的流通,從而加強貨幣政策的傳導機制。技術供應商與中央銀行之間的合作正在為發行平台的創新開闢新的途徑。隨著先導計畫進入全面部署階段,CBDC有望大幅擴大市場規模。
平台網路安全風險
針對錢包、交易所和發行平台的複雜網路攻擊會削弱用戶信任。勒索軟體和網路釣魚詐騙的興起進一步加劇了數位貨幣生態系統的脆弱性。監管機構對違規行為的製裁也會損害聲譽並限制業務運作。此外,地緣政治緊張局勢可能導致國家主導的網路入侵,攻擊央行數位貨幣(CBDC)基礎設施。如果沒有強而有力的安全保障,這些風險可能會危及市場的長期永續性。
新冠疫情加速了數位支付的普及,並間接提升了人們對穩定幣和央行數位貨幣(CBDC)的興趣。封鎖和社交距離的措施凸顯了對非接觸式高效率支付系統的需求。各國政府和企業紛紛轉向數位平台以維持經濟的持續運轉,刺激了對基於區塊鏈解決方案的需求。然而,供應鏈中斷和經濟的不確定性延緩了一些先導計畫和監管核准。同時,對金融韌性的日益重視促使各國央行更加積極地考慮採用央行數位貨幣。總而言之,新冠疫情起到了催化劑的作用,改變了消費者的行為,並鞏固了採用數位貨幣平台的合理性。
在預測期內,穩定幣發行平台板塊預計將成為最大的板塊。
在預測期內,穩定幣發行平台預計將佔據最大的市場佔有率,因為企業和去中心化金融(DeFi)生態系統對穩定幣作為流動性和支付手段的依賴程度日益提高。穩定幣能夠提供即時且低成本的交易,使其成為跨境支付和匯款的理想選擇。機構投資者也擴大採用穩定幣,並將其納入交易和對沖策略。金融科技公司與區塊鏈開發商之間不斷擴大的合作關係正推動著這一領域的發展。透明度的提高和合規措施的加強進一步增強了人們對發行平台的信心。
在預測期內,中央銀行板塊預計將呈現最高的複合年成長率。
在預測期內,由於全球央行數位貨幣(CBDC)舉措的快速擴張,中央銀行板塊預計將呈現最高的成長率。各國政府正優先考慮使用CBDC來實現支付基礎設施現代化並加強貨幣主權。亞洲、歐洲和北美的試驗計畫正朝著大規模實用化的方向發展。中央銀行與技術提供者之間的合作,旨在確保平台的安全性和擴充性,這也推動了該板塊的成長。 CBDC可望促進普惠金融,尤其是在新興經濟體。
在預測期內,北美預計將佔據最大的市場佔有率,這主要得益於機構投資者的積極採用、先進的區塊鏈基礎設施以及前瞻性的法規結構。美國和加拿大的金融科技創新推動了對穩定幣發行平台的巨額投資。主要金融機構正在將穩定幣整合到其支付和清算系統中。此外,北美眾多領先的區塊鏈技術供應商的存在也鞏固了其市場主導地位。數位資產相關監管的逐步明確也增強了企業和投資者的信心。這些因素共同鞏固了北美在市佔率的主導地位。
在預測期內,亞太地區預計將呈現最高的複合年成長率,這主要得益於各國積極推動央行數位貨幣(CBDC)計畫以及數位支付的快速普及。中國、印度和新加坡等國在CBDC試點計畫和區塊鏈整合方面處於主導。智慧型手機普及率的提高和金融科技的創新正在推動對數位貨幣平台的需求。該地區各國政府正積極透過數位支付生態系統促進普惠金融。此外,亞太地區龐大的人口基數也為CBDC的普及提供了巨大的市場潛力。
According to Stratistics MRC, the Global Stablecoin & CBDC Platforms Market is accounted for $26.1 billion in 2026 and is expected to reach $63.8 billion by 2034 growing at a CAGR of 11.8% during the forecast period. Stablecoin & Central Bank Digital Currency (CBDC) Platforms are digital financial infrastructures that support issuance, management, and transaction of cryptocurrencies backed by assets or central banks. Stablecoins provide price stability and facilitate global transactions, while CBDCs offer regulated digital currencies for sovereign use. Platforms include wallet solutions, transaction processing, compliance monitoring, and smart contracts. Adoption is driven by the growth of digital finance, cross-border payments, and the need for secure, efficient, and transparent financial systems in both private and government-backed digital currencies.
Rising digital currency adoption
The growing penetration of blockchain-based applications across financial services is further accelerating demand for stablecoin issuance platforms. Institutional investors are also showing heightened interest in digital assets, boosting credibility and adoption. The integration of stablecoins into decentralized finance (DeFi) ecosystems is creating new transaction models and liquidity pools. Moreover, cross-border remittances are being streamlined through stablecoin platforms, reducing transaction costs and settlement times. Collectively, these factors are propelling the expansion of the market.
Volatility concerns for stablecoins
Market participants worry about potential de-pegging risks, which could undermine trust in stablecoin platforms. The lack of standardized global regulations adds uncertainty, limiting institutional adoption in certain jurisdictions. Additionally, liquidity mismatches and operational inefficiencies in issuance platforms may hinder scalability. Cyber incidents and governance lapses have also raised caution among investors and regulators. These challenges collectively temper the otherwise strong growth trajectory of the stablecoin and CBDC platforms market.
Central bank digital currency initiatives
CBDCs are expected to enhance financial inclusion by providing secure, low-cost digital payment options to unbanked populations. Their integration into existing banking systems will foster interoperability and trust. Moreover, CBDCs can strengthen monetary policy transmission by offering central banks direct control over digital currency circulation. Partnerships between technology providers and central banks are opening new avenues for innovation in issuance platforms. As pilot projects transition into full-scale rollouts, CBDCs will significantly expand the market's scope.
Cybersecurity risks on platforms
Sophisticated cyberattacks targeting wallets, exchanges, and issuance platforms can erode user confidence. The rise of ransomware and phishing schemes further amplifies vulnerabilities in digital currency ecosystems. Regulatory penalties for breaches may also damage reputations and restrict operations. Moreover, geopolitical tensions could lead to state-sponsored cyber intrusions targeting CBDC infrastructures. Without robust security frameworks, these risks could undermine the long-term sustainability of the market.
The Covid-19 pandemic accelerated digital payment adoption, indirectly boosting interest in stablecoins and CBDCs. Lockdowns and social distancing measures highlighted the need for contactless, efficient payment systems. Governments and enterprises turned to digital platforms to maintain economic continuity, spurring demand for blockchain-based solutions. However, supply chain disruptions and economic uncertainty slowed some pilot projects and regulatory approvals. At the same time, heightened focus on financial resilience encouraged central banks to explore CBDCs more actively. Overall, Covid-19 acted as a catalyst, reshaping consumer behavior and strengthening the case for digital currency platforms.
The stablecoin issuance platforms segment is expected to be the largest during the forecast period
The stablecoin issuance platforms segment is expected to account for the largest market share during the forecast period as enterprises and DeFi ecosystems increasingly rely on stablecoins for liquidity and settlement. Their ability to provide instant, low-cost transactions makes them attractive for cross-border payments and remittances. Institutional adoption is also rising, with stablecoins being integrated into trading and hedging strategies. The segment benefits from growing partnerships between fintech firms and blockchain developers. Enhanced transparency and compliance measures are further boosting confidence in issuance platforms.
The central banks segment is expected to have the highest CAGR during the forecast period
Over the forecast period, the central banks segment is predicted to witness the highest growth rate due to the rapid expansion of CBDC initiatives worldwide. Governments are prioritizing CBDCs to modernize payment infrastructures and strengthen monetary sovereignty. Pilot programs in Asia, Europe, and North America are transitioning into large-scale implementations. The segment is also driven by collaborations between central banks and technology providers to ensure secure, scalable platforms. CBDCs are expected to enhance financial inclusion, particularly in emerging economies.
During the forecast period, the North America region is expected to hold the largest market share owing to strong institutional adoption, advanced blockchain infrastructure, and proactive regulatory frameworks. The U.S. and Canada are witnessing significant investments in stablecoin issuance platforms, supported by fintech innovation. Major financial institutions are integrating stablecoins into payment and settlement systems. Additionally, North America hosts several leading blockchain technology providers, reinforcing its dominance. Regulatory clarity around digital assets is also fostering confidence among enterprises and investors. These factors collectively secure North America's leadership in market share.
Over the forecast period, the Asia Pacific region is anticipated to exhibit the highest CAGR driven by aggressive CBDC initiatives and rapid digital payment adoption. Countries such as China, India, and Singapore are spearheading CBDC pilots and blockchain integration. Rising smartphone penetration and fintech innovation are fueling demand for digital currency platforms. Governments in the region are actively promoting financial inclusion through digital payment ecosystems. Moreover, Asia Pacific's large population base provides a vast market for CBDC adoption.
Key players in the market
Some of the key players in Stablecoin & CBDC Platforms Market include Circle Internet Financial, LLC, Tether Limited, Paxos Trust Company, Coinbase, Inc., Binance, Ripple Labs Inc., Stably Corporation, AnchorUSD, Gemini Trust Company, BIS Innovation Hub, J.P. Morgan Onyx, Signature Bank, Metaco SA, Fireblocks and BitGo Technologies, Inc.
In February 2026, Ripple Labs Inc. secured conditional approval from the OCC to establish the Ripple National Trust Bank (RNTB). This allows Ripple to manage reserves for its RLUSD stablecoin and offer regulated digital asset custody, positioning the firm to challenge Circle and Tether for institutional settlement market share.
In September 2025, Fireblocks launched the "Network for Payments," a single-integration engine that connects merchants and institutions to 60+ fiat currencies and all major stablecoins (USDC, USDT, PYUSD). This product launch saw a 120% volume growth within its first six months of operation.
Note: Tables for North America, Europe, APAC, South America, and Rest of the World (RoW) are also represented in the same manner as above.