Stripe is poised to capture a market exceeding $350 billion by 2030, according to a new JPMorgan report, driven by its strategic position at the confluence of artificial intelligence and digital payments.
The financial technology company is positioned to lead “the twin revolutions of intelligence and money movement,” JPMorgan analysts asserted in a study published this week.
Analysts Jon Hacunda, Lula Sheena, and Celal Sipahi highlighted Stripe’s growing prominence in both AI-driven commerce and digital asset infrastructure. The firm processes more than $1.4 trillion in annual payments across 195 countries.
Stripe, valued at $107 billion, achieved net profits in 2024. Its revenue increased 28% year-on-year to approximately $5.1 billion.
JPMorgan noted Stripe’s structural advantage as an early adopter by artificial intelligence startups. The company is deemed a key beneficiary of borderless financial services.
A significant area of focus is “agentic commerce,” where autonomous AI agents conduct transactions and make economic decisions independently. Stripe is strategically positioned to facilitate this evolving landscape.
Patrick Collison, Stripe’s chief executive, described this shift as “the natural integration between artificial intelligence and real financial systems.” His vision underpins an aggressive expansion into digital infrastructure.
Stripe has also strengthened its presence in the cryptocurrency ecosystem. Recent acquisitions include Bridge, a stablecoin orchestration platform, and Privy, a digital wallet provider.
The company is developing Tempo, a Layer 1 blockchain designed for high-speed payments. This initiative is in partnership with venture capital firm Paradigm.
Collison characterized Tempo as “a payments-oriented L1 network, optimized for real-world financial services applications.” The network recently secured $500 million in funding, achieving a $5 billion valuation.
Despite the optimistic outlook, JPMorgan’s report cautioned about potential risks. These include challenges related to business expansion, service fragmentation, and regulatory exposure.
Specific regulatory hurdles highlighted are the supervision of stablecoins in the United States and the implementation of MiCA regulations in Europe. Analysts noted these could present obstacles to Stripe’s global consolidation efforts.
Nevertheless, JPMorgan analysts concluded that the combination of artificial intelligence, stablecoins, and programmable money is set to redefine the future of digital commerce, with Stripe holding a prominent role.