Citigroup Sees ChatGPT-Style Leap Coming for Blockchain

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Citigroup Sees ChatGPT-Style Adoption Coming for Blockchain in 2025

Written by Aaron S.,

Editor-In-Chief

Last Updated: April 25, 2025

Key Takeaways

Citigroup says that clear US rules could lead to the major adoption of blockchain and stablecoins in 2025;
The stablecoin market value could reach $3.7 trillion by 2030, driven by demand from banks and other institutions;
Stablecoin issuers may soon hold more US debt than any country, as backing with low-risk assets becomes the norm.

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Citigroup Sees ChatGPT-Style Adoption Coming for Blockchain in 2025

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A new report from Citigroup suggests that updates to financial rules could help stablecoins and blockchain systems gain wider use in 2025.

According to analysts at the bank, these changes may lead to a breakthrough moment similar to what was seen in the artificial intelligence (AI) industry with ChatGPT.

The report, released on April 23, explains that support from financial regulators and interest from major financial companies could lead to much faster adoption.

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Citigroup believes this shift could help expand the stablecoin market to $3.7 trillion by 2030. Even in a more modest scenario, that number could still reach $1.6 trillion.

One of the biggest factors, according to Citigroup, is whether the United States creates clear rules for stablecoins. If the legal structure is defined, it would be easier for banks and other institutions to use stablecoins and blockchain tools in their day-to-day operations.

The report also mentions that stablecoin issuers would likely be required to hold low-risk assets—such as US Treasury bills—as a way to guarantee the value of their tokens. If stablecoins grow as expected, these issuers could end up holding more US government debt than any single country does today.

Citigroup expects that most stablecoins will remain linked to the US dollar. However, in other regions, governments may prefer to promote their own digital currencies or create local alternatives to dollar-based tokens.

Meanwhile, the European Data Protection Board (EDPB) has recently released draft guidelines on how to handle personal information on blockchains. What do the guidelines highlight? Read the full story.