International Journal of Technology and Applied Science

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Future of Global Finance: Integrating CBDCs, Stablecoins, and Regulated Cryptocurrencies in 2025

Author(s) LAKSHANA S NAIR
Country India
Abstract The year 2025 is an event that is defining a paradigm shift in the field of global finance since the digital currencies will become the usual thing. Privately issued stablecoins and Central Bank Digital Currencies (CBDCs) are progressively becoming a part of payment systems and financial markets all over the globe. This review paper analyses the present situation and prospects of this integration with reference to the key economies globally in Europe, United States, and Asia. We explain how stablecoins are rapidly increasing as a medium that transfers volatile crypto-assets into stable money, the speed at which central banks are adopting CBDCs to increase payment efficiency and financial independence, and how a new regulatory ecosystem of digital assets is being built (ex. the MiCA regulation of the EU and new crypto legislation in the US). Literature and industry evidence suggests that regulatory transparency in 2025 has driven institutional buying of crypto-assets and innovation in decentralized finance (DeFi) based on blockchain and smart contracts. Meanwhile policymakers are dealing with issues of crypto market volatility, trading behaviour, financial stability and cross-border coordination. It is revealed in this paper that a hybrid monetary system is emerging, which combines the trust and stability of CBDCs with the programmability and global access of stablecoins and tokenized assets. We finish by examining how such an integrated system might transform the global finance - making payments easier and more inclusive, as well as increasing new policy issues - as the world becomes more digital and controlled by regulation.
Keywords Cryptocurrency adoption 2025; blockchain regulation; crypto market trends; crypto volatility; Central Bank Digital Currencies; stablecoins; crypto trading behaviour; MiCA regulation; US crypto laws; DeFi; smart contracts
Published In Volume 16, Issue 12, Array 2025
Published On 2025-12-31
Cite This Future of Global Finance: Integrating CBDCs, Stablecoins, and Regulated Cryptocurrencies in 2025 - LAKSHANA S NAIR - IJTAS Volume 16, Issue 12, Array 2025.
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