German payments processor DECTA expects euro-pegged stablecoins to play a growing role in payments and tokenized finance as the European Union’s Markets in Crypto-Assets (MiCA) regime is fully rolled out.
In a report released earlier this month, DECTA said the euro-denominated stablecoin sector should continue to take shape through 2026 as MiCA introduces a harmonized rulebook across the EU, covering reserve backing, issuer oversight and operational standards.
The firm said the added regulatory certainty should ease the integration of compliant euro stablecoins into payment infrastructure, trading platforms and tokenized financial markets.
DECTA noted that expansion over the next two years will depend on how rapidly MiCA-licensed issuers build distribution networks and banking relationships, the degree to which financial institutions adopt stablecoin-based settlement for tokenized assets and programmable payments, and how strong consumer demand proves for euro-denominated digital assets on exchanges and payment apps.
As EU platforms adjust to the new rules, the company expects a gradual shift away from non-compliant or synthetic euro tokens toward fully regulated stablecoins.
However, uptake is likely to vary by member state due to differences in consumer awareness, local digital-asset policies and market maturity.
By 2026, euro-pegged stablecoins should have a more clearly defined place in Europe’s digital-asset ecosystem, operating under a framework designed to emphasize stability, transparency and consistent oversight, DECTA said.
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