MiCA Will Make or Break Euro-Pegged Stablecoins by 2026: DECTA

Markets Share Share this article Copy link X icon X (Twitter) LinkedIn Facebook Email MiCA Will Make or Break Euro-Pegged Stablecoins by 2026: DECTA German payments processor DECTA expects euro-pegged stablecoins to gain traction in payments and tokenized finance as MiCA takes full effect across the EU. By Will Canny , AI Boost | Edited by Cheyenne Ligon Dec 12, 2025, 2:12 p.m. MiCA will make or break Euro-pegged stablecoins by 2026: DECTA. (Unsplash, modified by CoinDesk) What to know : Euro stablecoins should benefit from MiCA’s full enforcement in 2026, creating a unified regime for reserves, supervision and operations, according to DECTA. Growth will hinge on MiCA-authorized issuers scaling banking rails, institutional settlement use and consumer-facing payment channels. The payments company expects non-compliant and synthetic euro tokens to give way to regulated stablecoins, though adoption will vary across EU member states. German payments processor DECTA expects the euro-pegged stablecoin market to keep evolving through 2026 as Europe's Markets in Crypto-Assets regulation (MiCA) comes fully into force, bringing common EU rules on reserves, issuer oversight and operational standards. That regulatory baseline should make it easier to plug regulated euro stablecoins into payment systems, trading venues and tokenized financial infrastructure, DECTA said in a report earlier this month. STORY CONTINUES BELOW Don't miss another story. Subscribe to the Crypto Daybook Americas Newsletter today . See all newsletters Sign me up By signing up, you will receive emails about CoinDesk products and you agree to our terms of use and privacy policy . According to the report, market growth over the next two years will depend on how quickly MiCA-authorized issuers build distribution channels and banking connections, how deeply financial institutions adopt stablecoin-based settlement for tokenized assets and programmable payments, and how strong consumer demand proves for euro-denominated digital assets across exchanges and payment apps. The German payments company expects a steady shift away from non-compliant or synthetic euro tokens and toward fully regulated stablecoins as EU platforms adapt to MiCA. Still, the firm anticipates uneven adoption between member states, driven by differences in consumer awareness, local digital-asset policy and market maturity. By 2026, euro-pegged stablecoins should occupy a clearer, more regulated role in the EU’s digital-asset stack, DECTA said, under a framework designed to prioritize stability, transparency and predictable oversight. Read more: Stablecoin Adoption Is ‘Exploding' — Here's Why Wall Street Is Going All-In Stablecoins Europe MiCA AI Disclaimer: Parts of this article were generated with the assistance from AI tools and reviewed by our editorial team to ensure accuracy and adherence to our standards . For more information, see CoinDesk's full AI Policy . More For You Protocol Research: GoPlus Security By CoinDesk Research Nov 14, 2025 Commissioned by GoPlus What to know : As of October 2025, GoPlus has generated $4.7M in total revenue across its product lines. The GoPlus App is the primary revenue driver, contributing $2.5M (approx. 53%), followed by the SafeToken Protocol at $1.7M. GoPlus Intelligence's Token Security API averaged 717 million monthly calls year-to-date in 2025 , with a peak of nearly 1 billion calls in February 2025. Total blockchain-level requests, including transaction simulations, averaged an additional 350 million per month. 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