Stablecoin no Brasil | O que é, cotação e como usar USDT, USDC e DAI

Global Stablecoin Market

The global stablecoin market has grown to more than 150 billion dollars in market capitalization in 2025, with billions of dollars in daily transactions taking place across blockchains. Adoption is especially strong in countries such as Brazil, Argentina, Nigeria, Turkey, and the Philippines, where stablecoins are increasingly used as a replacement for local currencies.

Beyond trading and payments, stablecoins are becoming a key driver of financial inclusion, giving the unbanked and underbanked population access to digital dollars for savings and everyday transactions.

Regulation of Stablecoins

Governments worldwide are actively shaping the future of stablecoins. In the European Union, the MiCA framework has introduced strict licensing requirements and mandatory reserve backing for issuers. In the United States, draft legislation is being prepared to regulate stablecoin issuance and ensure proper audits.

Across Latin America, adoption is outpacing regulation, with stablecoins already being used as everyday money. In Asia, approaches vary: countries like Singapore and the Philippines have embraced open adoption, while others such as China and India have imposed tighter restrictions.

Risks of Stablecoins

Even though they are designed to remain stable, stablecoins still carry risks. The most discussed concern is reserve transparency, with debates over whether issuers are always fully backed. Stablecoins may also experience temporary depegging during times of market stress.

Regulatory uncertainty adds another layer of risk, as rules differ significantly between regions and may change quickly. Finally, there are technology risks, including the potential for smart contract bugs or failures in the infrastructure that supports stablecoins.

Types of Stablecoins.

According to the Visa Onchain Analytics report on stablecoin transactions, the leading stablecoins by global usage include USDT, USDC, PYUSD, USDP, FDUSD, and USDG. In addition, Oobit also supports widely adopted stablecoins such as DAI and EURR, making it easier to spend both the global leaders and regional favorites.