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FollowingStressed development of stablecoins: Regulatory maze hinders global trade potential
The World Trade Organization (WTO) points out that fragmented regulatory frameworks are the main obstacle to the adoption of stablecoins for international trade. At a recent event in Geneva, Juan Marchetti, director of the WTO's Services and Investment Division, emphasized that while stablecoins are technically ready, differences in national regulations limit their widespread acceptance in cross-border transactions.
Regulatory gaps highlighted
According to Marchetti, the fundamental problem with stablecoins is not the technical infrastructure, but regulatory obstacles. He pointed out that the lack of clear rules to support payment instruments in international trade has prompted companies and financial institutions to be cautious in this area. This regulatory difference poses a major challenge to the global integration of stablecoin payments. Juan Marchetti emphasized that the main obstacle is not the technology itself, but the imperfect regulatory framework.
He cited an October 2025 report from the Financial Stability Board that only 11 of the 28 jurisdictions reviewed had completed the formulation of regulatory requirements related to stablecoins. This means that the proportion is only 39%, while continued uncertainty in other countries hinders the development of common international standards.
Bottlenecks in trade finance?
WTO research shows that stablecoins can alleviate five key issues in trade finance: high costs, slow transaction speeds, limited accessibility, lack of transparency, and currency-related restrictions. However, due to existing regulatory fragmentation, stablecoins currently account for only 3% of total international payments.
As the pursuit of efficiency in cross-border capital transfers continues to escalate, transaction infrastructure is undergoing significant changes in speed and cost. Traditional markets are limited by slow processes involving multiple intermediaries, and a huge change is underway-Wall Street is merging with Web3. Investors are increasingly turning to platforms that aim to store assets such as stocks, gold and silver of major U.S. companies directly in their crypto wallets without the need for intermediaries to intervene.
According to WTO research, stablecin payments increased 35 times in cross-border transactions from 2020 to mid-2024.
Significant growth in payments?
Report data shows that from 2020 to mid-2024, cross-border payments using stablecoins increased 35 times. While this growth reflects the expansion of these tools in practical application, it also highlights how legal compliance gaps continue to limit its market share.
stablecoins are considered to have potential advantages such as faster settlement times, reduced transaction costs, and easier payment infrastructure. Wider implementation in global trade, however, requires more coordinated and comprehensive regulatory regimes across countries.
The need for a clear and consistent regulatory framework has become an urgent issue for stablecoins to be adopted in global commerce. In order for these digital assets to reach their full potential, decisive measures must be taken, which require international cooperation and alignment of standardized practices.
