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FollowingWTO officials: Regulatory fragmentation restricts the use of stablecoins in international trade
Juan Marcetti, Director of the Services and Investment Division of the World Trade Organization (WTO), pointed out that fragmentation of the regulatory system is limiting the popularization of stablecoins in international trade.
The regulatory environment remains the main obstacle
Marcetti emphasized that technology is not the root cause preventing the wider use of stablecoins in global trade. Instead, he pointed out that inconsistent and imperfect regulatory frameworks are the key factors limiting its development.
At the launch of the latest WTO report on stablecoins and world trade held in Geneva, Marcetti said that regulatory development in various jurisdictions is still slow and uneven. He believes that the main constraint is not technological progress, but the lack of a comprehensive regulatory structure on a global scale.
He cited a report released by the Financial Stability Board (FSB) in October 2025 and pointed out that of 28 jurisdictions, only 11 (39%) have completed the development of regulatory frameworks for stablecoins.
Despite its huge potential, adoption rates are still slow
Although stablecoins have significant advantages in reducing trade financing frictions, their share in total international payments is still limited. Marcetti reported that stablecoins currently account for only 3% of total cross-border transactions, mainly due to the fragmentation of regulatory policies.
The WTO report lists five key pain points that stablecoins are expected to address: high costs, slow transaction speeds, limited access to services, lack of transparency, and foreign exchange challenges.
The WTO emphasizes that clearer regulatory requirements can enhance the role of stablecoins in addressing high costs, low speeds, access restrictions, lack of transparency and foreign exchange restrictions in international payments.
Further research findings show that despite regulatory obstacles, the use of stablecoins in cross-border payments has increased significantly, increasing 35-fold from 2020 to mid-2024, indicating growing market interest.
Innovation and Market Trends
As global financial institutions assess the impact of stablecoins, new solutions aimed at streamlining cross-border transactions continue to emerge. Industry observers point out that while traditional markets often rely on complex brokers, a fundamental shift to Web3 is underway. Investors can now use specific platforms to hold shares of leading U.S. companies and shares of gold and silver directly in their crypto wallets.
These platforms tokenize real-world assets (RWA) and use automated systems to instantly find optimal market prices, eliminating intermediation, aiming to simplify the global asset management process for investors.
Despite strong momentum, the promotion of stablecoin-based solutions in cross-border commerce is still limited by the lack of uniform regulatory standards. Many stakeholders believe that timely regulatory clarity remains the decisive factor in realizing the full potential of stablecoins in international trade.
