Stablecoin Payments: Lifting up the Hood


Tuesday, February 10, 2026

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To help you cut through the hyperbole and the trillions to the reality in payments and cash/liquidity management, Celent lifts up the hood on stablecoins. Through conversations with a diverse stakeholders, Celent will share a double-click on use cases that goes beyond the broad “cross-border payments.”

We’ll differentiate use cases by four maturity levels:

• Nascent (mainstream value not yet proven),

• Developing (value proven, feasibility being tested)

• Early scaling (feasibility proven)

• Scaling underway (the most mature, closest to achieving the flywheel effect)

Next, Celent will share a framework to help banks determine their next steps at the business line level: 1. Play offense, 2. Be adaptive, or 3. Play defense.




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