Bitcoin adoption in international settlement and central bank reserves drives long-term outlook
Bitcoin could reach $2.9 million by 2050 as it evolves into a settlement layer for global trade and a strategic reserve asset for central banks, according to projections from asset management analysts. The forecast positions Bitcoin not as a short-term speculative asset, but as a long-duration hedge against monetary instability and sovereign debt risk.
The projection assumes Bitcoin will settle 5–10% of international trade and 5% of domestic trade by mid-century, supported by a 15% compounded annual growth rate (CAGR). Under this model, Bitcoin would function alongside major fiat currencies, reaching a level of trade usage comparable to the British pound’s current role in global settlements.
Analysts estimate that central banks could allocate 2.5% of total reserves to Bitcoin, reflecting growing diversification away from traditional sovereign assets. At a $2.9 million price point, Bitcoin would represent approximately 1.66% of global financial assets, underscoring its emergence as a systemic monetary instrument.
The primary catalysts include global liquidity expansion, ongoing monetary debasement, and structural weaknesses in sovereign debt markets. While short-term price movements remain sensitive to liquidity cycles, long-term value is expected to accrue as Bitcoin aligns with global settlement needs.
A conservative outlook sees Bitcoin reaching $130,000 under a 2% CAGR, while a bullish case projects prices as high as $52.4 million with sustained 20% annual growth.
Disclaimer
This content is for informational purposes only and does not constitute financial, investment, or legal advice. Cryptocurrency trading involves risk and may result in financial loss.