JP Morgan Chase & Co. analysts have projected that Stripe could reach a market opportunity exceeding $350 billion by 2030, driven by its growing presence in AI-powered commerce and digital asset infrastructure, according to a research note published on Thursday.
Analysts Jon Hacunda, Lula Sheena, and Celal Sipahi said Stripe is well-positioned to lead what they described as “twin revolutions in intelligence and money movement.” The payment technology company, valued at $106.7 billion as of September, processes more than $1.4 trillion in annual payments across 195 countries. Stripe became profitable in 2024, reporting $5.1 billion in net revenue.
AI commerce and crypto expansion
JP Morgan highlighted Stripe’s early involvement with AI-focused companies such as OpenAI, Anthropic, and Shopify, which have adopted its payment infrastructure. Analysts said these partnerships give Stripe an early advantage in the emerging area of “agentic commerce”, a model where AI systems autonomously conduct transactions and manage purchases.
The company has expanded its operations in digital assets, acquiring the stablecoin platform Bridge for $1.1 billion and purchasing crypto wallet provider Privy. It is also developing Tempo, a Layer-1 blockchain designed for high-volume payments. Tempo raised $500 million at a $5 billion valuation in a funding round led by Thrive Capital and Greenoaks earlier this month.
Additionally, Stripe has introduced stablecoin-based financial accounts available in 101 countries, and launched what it describes as the first AI foundation model for payments, aimed at enhancing transaction security and automation.
Growth outlook and regulatory context
According to JP Morgan, the estimated $350 billion market opportunity reflects the intersection of two fast-growing areas: stablecoins and AI-driven commerce. The global stablecoin market has surpassed $300 billion in 2025, up 47% year-to-date, while AI-related traffic to U.S. retail websites has grown 4,700% year-on-year through July 2025, as major AI platforms such as ChatGPT and Perplexity integrate payment and commerce features.
However, analysts cautioned that Stripe faces challenges related to regulatory compliance and enterprise scaling. Key concerns include the uncertainty surrounding U.S. stablecoin regulation and European MiCA requirements.
Despite these hurdles, JPMorgan concluded that Stripe’s scale, profitability, and technological integration across AI and blockchain could position it as a major player in the next phase of digital financial infrastructure.
