Frankfurt – 12 December 2025 (Odaily News) – German payment processor and licensed e-money institution Decta predicts a decisive turning point for euro-denominated stablecoins in 2026, as the European Union’s Markets in Crypto-Assets Regulation (MiCA) reaches full implementation.

Speaking to Odaily, Decta’s Head of Strategy Elena Voss stated that the harmonized regulatory framework – covering 1:1 reserve requirements, mandatory licensing, monthly attestation, and strict operational standards – will finally remove the structural barriers that have long held euro stablecoins back compared to their USD counterparts.

“The rules are now crystal clear,” Voss said. “What remains is execution: how quickly MiCA-approved issuers can build robust distribution networks and secure deep banking integrations. That will determine whether the euro stablecoin market grows to €50–70 billion in 2026 or falls short.”

Key MiCA milestones already achieved:

• Stablecoin provisions in force since 30 June 2024
• Full issuer licensing and reserve rules enforced from 30 December 2024
• Final transitional periods in several member states expire mid-2026

Market data supports Decta’s bullish outlook. Euro-pegged stablecoin market capitalization has more than doubled since mid-2024, from under €500 million to approximately €1.2 billion today. Monthly transfer volumes have surged ninefold to €3.83 billion, led by Circle’s EURC (+1,139 % YoY) and Societe Generale-FORGE’s EUR CoinVertible.

Industry initiatives are accelerating:

• A consortium of nine major European banks (including ING, UniCredit, and KBC) is preparing a joint MiCA-compliant euro stablecoin for launch in H2 2026.
• Neobanks such as Revolut and N26 have begun integrating licensed euro stablecoins for in-app payments and remittances.
• Tokenized fund platforms operated by BlackRock and Amundi are testing euro stablecoin settlement rails.

However, adoption remains geographically uneven. Search interest and on-chain activity are strongest in Finland (+400 %), the Netherlands, and Italy (+313 %), while southern and eastern member states lag.

“Institutions are ready,” Voss emphasized. “Retail adoption will follow once consumers see euro stablecoins in their everyday banking apps with the same trust and speed they expect from SEPA transfers.”

Decta itself, through its Irish EMI license and partnership with Next Generation, is positioning its EURT stablecoin on the Stellar network as one of the frontrunners, targeting €4 billion in circulation by the end of 2026.

As the last grandfathering clauses expire next year, analysts agree that 2026 will mark the true “Year One” for regulated euro stablecoins – potentially transforming them from niche DeFi instruments into core infrastructure for payments, capital markets, and the broader tokenized economy across the European Union.

About Decta Decta is a PCI DSS-certified payment processor and EU-licensed Electronic Money Institution offering white-label card issuing, acquiring, and stablecoin infrastructure services to fintechs and enterprises worldwide.

Disclosure: Decta is an issuer of MiCA-compliant stablecoins.