Between July and September 2026, stablecoins recorded $891 billion in adjusted transfers, equivalent to more than $400 million per hour, including nights and weekends. Nearly 73% of these transfers occurred while US banks were closed, even as total capitalization remained near $304 billion. Seven of the ten largest US banks have already tested stablecoins or tokenized deposits, and the 2025 GENIUS Act allows regulated institutions to issue their own stablecoins. However, these figures measure transfers rather than payments because they include arbitrage, margin deposits and treasury movements. In France, the National Assembly approved a 31.4% tax on conversions from cryptocurrencies to stablecoins as of January 1, 2027, in the first reading of the 2027 budget.
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