For a full decade, stablecoin accessibility was restricted exclusively to cryptocurrency exchanges. That landscape has fundamentally changed, as these assets are now integrated into mainstream platforms like Revolut, Nubank, and PayPal. This expansion covers 160 countries and 500K businesses, tapping into massive user bases of 127M and 65M customers respectively. With the challenge of distribution largely behind us, the focus now shifts to settlement.
The value of low-cost, high-speed infrastructure is clearly keeping users engaged. Sei logged its sixth consecutive quarter of growth during Q4 '25. According to @MessariCrypto, the network reached all-time highs in mid-December. During this period, daily active addresses climbed 26% QoQ to 1M, while daily transactions rose 17% to 2.3M.
The stablecoin market has recorded a 1,700% increase in just 5 years. Digital dollars are undeniably a permanent fixture, and data suggests we are merely seeing the start of their journey. Leading forecasts paint a robust picture, with Morgan Stanley envisioning $2T by 2028 and the US Treasury Secretary predicting $3T by 2030. Additionally, Citi anticipates a range of $2-4T by 2030. While the consensus is that this growth is inevitable, the final destination for these trillions is not yet decided.
The concept of stablecoin payroll has rapidly transitioned from being an edge case to a major priority. Current trends back this up, showing that 75% of Gen Z specifically want stablecoin pay. Executive leadership is responding enthusiastically, with 90% of C-Suite Execs confirming they already have programs live or planned. Looking ahead, 54% of Companies not yet using stablecoins project they will start doing so within 12 months. This modernization is taking place today with @usetoku on Sei.
An annual sum of $50 trillion flows through the global payroll system. These funds travel along traditional banking rails that are characterized by high friction, including settlement times of 3-5 days, costs of $50 per wire, and service gaps when networks shut down on weekends. By adopting stablecoin payroll, we can solve these problems, a trend that is already beginning to take hold. Below, we outline the justification for replacing SWIFT.