💵 Stablecoin Adoption
Bitcoin was born as peer-to-peer digital cash but over time, it has evolved into something far more powerful: A base-layer currency, a hedge against inflation, digital gold, and the cornerstone of a future monetary standard. We all want hyperbitcoinization, but it won’t happen overnight.
Until then, stablecoins are doing the heavy lifting.
They’re onboarding millions, replacing legacy rails, and acting as a bridge between fiat and crypto, between the world we live in, and the world Bitcoin is building.
The Growth is Real
The stablecoin market has reached $288 billion today, and is projected to hit $2 trillion by 2028, according to the U.S. Treasury. This isn’t just growth, it’s a macro transformation.
Stablecoin Supply growth over years
What Stablecoins enable
- Low-cost global payments: They shrink the gap between transaction and settlement.
- Instant finality: Real-time, on-chain settlement without legacy delays.
- Programmable finance: Logic, automation, and smart contracts, finance meets software.
Adoption Catalysts
Stablecoin momentum is only accelerating, thanks to two big tailwinds:
- GENIUS Act (2025): A landmark U.S. regulatory framework. While it introduces some centralization, it unlocks massive new markets and prevents collapses like Terra Luna.
- Institutional on-chain entry:
- Arc Network by Circle
- Tempo by Stripe
- Plasma by Tether
- USAT (U.S. Asset Token)
These are not just product launches. They are infrastructure shifts, bringing real users on-chain, beyond crypto’s degen sandbox.
What this means for Bitcoin
Stablecoins don’t compete with Bitcoin, they complement it.
- They bring utility to payments, remittances, and financial access.
- They fuel demand for decentralized credit rails.
- They accelerate the need for Bitcoin-native alternatives to custodial lending.
As stablecoin adoption grows, so does the urgency for:
- Fewer intermediaries
- More on-chain visibility
- Lower costs
- Access for everyday Bitcoiners
This is the moment for a new category in Bitcoin lending: a transparent, programmable, Bitcoin-native credit market. That’s what Surge is here to build.