🏦 BNY Mellon Predicts $3.6 Trillion Stablecoin and Tokenized Cash Market by 2030

The world’s oldest bank says tokenized money is coming fast — but it won’t kill traditional finance, it’ll merge with it.

BNY Mellon — one of the world’s largest and oldest financial institutions — projects that stablecoins and tokenized cash instruments could reach $3.6 trillion by 2030, fueled by institutional adoption and regulatory progress. The prediction comes from a new report published Monday, highlighting a future where blockchain rails integrate — not replace — traditional finance.

“We stand at a powerful inflection point that may fundamentally transform how global capital markets function and how its participants transact,” said Carolyn Weinberg, BNY’s Chief Product and Innovation Officer. “The combination of traditional and digital has the potential to be a powerful unlock for our clients and the world.”

🔎 Quick Facts

• 💰 Projected market size: $3.6 trillion by 2030
• 🪙 Stablecoins alone: $1.5 trillion
• 🏦 Tokenized deposits + money market funds: remaining growth
• ⚙️ Key driver: Institutional adoption + regulatory clarity
• 🌍 Regions leading: EU (MiCA), U.S., and Asia-Pacific
• 📅 Source: BNY Mellon report, released Monday

💵 Stablecoins and Tokenized Cash

According to the report, stablecoins could hit $1.5 trillion in market cap by 2030, with tokenized deposits and money market funds driving the remaining $2.1 trillion. These digital equivalents of cash are designed to optimize collateral management, speed up settlements, and reduce counterparty risk.

For example, a pension fund could soon use a tokenized money market fund to post margin for derivatives — instantly. BNY sees that kind of real-time liquidity management as the next logical step in financial infrastructure.

The report stresses that regulation is the make-or-break factor. BNY cites the EU’s MiCA legislation and ongoing U.S. and APAC policy work as evidence that the environment is maturing to support tokenized innovation while keeping markets stable.

🧱 Tokenized Infrastructure Is Maturing

BNY’s report also spotlights recent tech milestones shaping the tokenization trend — including tools like Libdogecoin, a C-library that lets developers build Dogecoin-compliant products without deep blockchain expertise.

While Dogecoin isn’t directly tied to institutional finance, BNY points to it as an example of how developer infrastructure is becoming more accessible. That simplicity — multiple language support (Python, Node.js, Ruby) and easy integration — mirrors the direction traditional finance is heading: plug-and-play tokenization.

Libdogecoin doesn’t run full nodes but provides a lightweight framework for integration — an important step in making tokenized finance infrastructure modular and developer-friendly.

🌐 TradFi + DeFi: The Convergence Era

Rather than envisioning a replacement, BNY Mellon imagines a hybrid system: blockchain-based money operating alongside traditional rails — improving settlement speeds, collateral mobility, and transparency.

In this model, banks remain the gateways, but tokens become the rails. Capital markets evolve into a programmable, 24/7 settlement layer — and $3.6 trillion in tokenized cash could become the foundation of that transformation.

✅ TL;DR

• 🏦 BNY Mellon projects $3.6T stablecoin + tokenized cash market by 2030.
• 🪙 Stablecoins may hit $1.5T alone.
• 💼 Growth driven by regulation and institutional demand.
• ⚙️ Tokenized deposits + money funds = faster collateral mobility.
• 🧱 BNY cites Libdogecoin as example of evolving infrastructure.
• 🌐 Future = integration, not replacement, of TradFi + blockchain.

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