Will Stablecoins Replace ACH Payments in 2026?

Jakarta, Pintu News – Stablecoins, once just a tool for crypto traders, are now developing into a serious contender in the US financial payment system. With rapid growth in recent years, stablecoins have begun to challenge the Automated Clearing House (ACH) payment system, which is one of the most important payment systems in the United States.

Stablecoin Transaction Growth

Research from Galaxy shows that stablecoin activity has increased significantly. Today, the volume of transactions processed through stablecoins already surpasses major credit card networks such as Visa and accounts for about half of ACH volumes. This shows the huge potential of stablecoins in changing the global payments landscape.

With this rapid growth, stablecoins are showing that they are not only an alternative, but may become the main choice in payment systems in the future. Speed, efficiency, and ease of access are some of the advantages offered by this technology.

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Regulation as a Growth Catalyst

One factor that can accelerate the adoption of stablecoins is favorable regulation. Galaxy highlighted that with the passage of the GENIUS Act in early 2026, which will regulate the issuance of stablecoins under the supervision of the Federal Deposit Insurance Corporation (FDIC), the growth of stablecoins is expected to accelerate.

This clear and supportive regulation will hopefully increase trust and security for users as well as investors, allowing more financial institutions to adopt stablecoins in their operations. This will pave the way for wider integration in the traditional financial system.

Also read: Why Silver Could Surpass Gold and Bitcoin by 2026?

Financial Institutions Get Involved

Stablecoins are already gaining acceptance in traditional finance. Visa, for example, has expanded their stablecoin settlement program for banks in the US using USD Coin (USDC) on the Solana (SOL) network. This allows for faster transactions and can be done over 24 hours.

The involvement of large institutions like Visa demonstrates the growing validation and acceptance of stablecoins in mainstream payment systems. It also signals an important shift in how financial institutions view and use digital currencies in their day-to-day operations.

Conclusion

If stablecoins are successful in replacing ACH, it will bring major changes to the way money moves throughout the US economy, especially in payments, settlements, and cross-border transfers. With advantages such as transaction speed and 24-hour availability, stablecoins have the potential to become the new centerpiece of the financial system.

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*Disclaimer

This content aims to enrich readers’ information. Pintu collects this information from various relevant sources and is not influenced by outside parties. Note that an asset’s past performance does not determine its projected future performance. Crypto trading activities have high risk and volatility, always do your own research and use cold cash before investing. All activities of buying and selling bitcoin and other crypto asset investments are the responsibility of the reader.

Reference

• Coinpedia. Are Stablecoins About to Overtake ACH Payments in 2026? Accessed on December 29, 2025
• Featured Image: Brookings Institutions