Against a backdrop of uncertain interest rates, volatile markets and persistent inflation, more and more savers and companies are looking for modern alternatives to traditional investments. It is in this landscape that stablecoins are emerging as an innovative cash management lever.
But what is a stablecoin investment? Is it really safe, liquid and profitable? And above all, who is it aimed at: individuals? businesses? Let’s explore this new asset class that combines yield and stability.
What is a stablecoin?
A stablecoin is a digital asset designed to replicate the value of a fiat currency, such as the euro or the dollar. Unlike volatile cryptocurrencies such as Bitcoin or Ethereum, stablecoins aim for price stability, often by being backed by real reserves or regulated financial instruments.
Among the best-known stablecoins:
- USDC (dollar-backed),
- EURCV (euro-backed, issued by Société Générale),
- PYUSD (stablecoin from PayPal),
- or Tether (USDT), the most widely used worldwide, but not compliant with European MiCA regulations.
These tokens can circulate freely on public blockchains, but they are backed by tangible assets, and often issued by regulated entities under regulations such as MiCA in Europe.
In its latest report dated April 23, 2025, Citigroup forecasts that the amount of stablecoins in circulation will continue to grow rapidly, and could reach up to $3,700 billion in capitalization by 2030 (see our article on this report).
Investing in stablecoin: how does it work?
Investing in stablecoin means allocating part of your cash (personal or corporate) to stablecoin assets, with the aim of earning a return that is often higher than that of traditional banking products.
In concrete terms :
- You convert euros into stablecoins (e.g. USDC or EURCV),
- You place them on a platform or with a specialized service provider (like Regular),
- You generate a return – often on a daily basis – through automated investment mechanisms, institutional loans or managed DeFi.
What are the advantages of investing in stablecoins?
✅ 1. attractive returns
Stablecoin investments can offer annualized interest rates ranging from 5% to 6.50%, or even higher depending on market conditions. This yield often comes from integration with tokenized money market funds, liquidity pools or secure lending mechanisms.
✅ 2. Permanent liquidity
Unlike term deposits or locked-in tax-free products, a stablecoin investment can often be withdrawn at any time, without penalty. Some providers even offer interest calculated daily.
✅ 3. Simplified access to digital markets
No need to open a crypto wallet or go through a complex exchange: some players, like Regular, offer turnkey, integrated solutions that comply with European regulatory requirements.
✅ 4. Smart diversification
Investing in stablecoins allows you to diversify your cash flow without exposing yourself to the volatility of the equity or crypto markets. It’s a way of capturing new returns while controlling risk.
Who can invest in stablecoins?
Today, stablecoin investment attracts :
- High-income individuals looking for modern, liquid solutions to grow their capital.
- Entrepreneurs or self-employed people who want to optimize the profitability of their operating cash flow.
- Companies, particularly in the tech, crypto or e-commerce sectors, looking to enhance the value of their unused cash, within a regulated framework.
With the entry into force of MiCA, the European regulatory framework for digital assets, recognized stablecoins will gain in legitimacy, facilitating their adoption by institutional players. But beware: MiCA prohibits the direct payment of interest on stablecoins. This requires an additional step, such as placing stablecoins in DeFi liquidity pools. You then receive a return from the pool, not from the stablecoins.
Is it risky to invest in stablecoins?
Like all investments, there are risks:
- Counterparty risk (who holds the funds?),
- Stablecoin issuer risk,
- Risk associated with the DeFi platform on which stablecoins are placed,
- Technical or hacking risks if the solution is not secure.
But by choosing a serious, regulated player that keeps funds in separate balance sheet structures, with recognized stablecoins backed by regulated assets, these risks can be greatly reduced.
Conclusion: an innovative solution, but choose wisely
Investing in stablecoins is a forward-looking solution for those who want to combine liquidity, yield and simplicity. Halfway between the interest-bearing account and crypto innovation, it represents a new way of thinking about cash management – whether personal or professional.
At Regular, we’ve designed a turnkey solution, 100% in euros, with no fees, interest paid daily and the option of withdrawing at any time.
👉 Ready to grow your cash with stablecoins invested in DeFi? Discover our Regular solution.
