In 2025, the world of digital finance is not only evolving—it’s expanding at breathtaking speed. According to a recent report by Artemis, the volume of payments made using stablecoins has registered an extraordinary uptick: from roughly US$6 billion in February to over US$10 billion by August, marking a growth of about 70 %. This surge signals a profound shift in how cryptocurrencies are being used in real-life commerce rather than purely speculative trading.
Business-to-Business (B2B) Payments Are Leading the Charge
A dominant driver behind this trend is business-to-business (B2B) usage of stablecoins. The data shows that B2B transactions now account for nearly two-thirds of total stablecoin payment volume. Since February, monthly B2B stablecoin transactions more than doubled (a 113 % increase), reaching about US$6.4 billion. In total, from 2023 to now, stablecoin payments have exceeded US$136 billion—underscoring that on-chain money is becoming a mainstream payment medium rather than a niche digital asset.
What this means: companies are increasingly utilising stablecoins to move value, pay suppliers or partners, and perhaps avoid traditional banking friction or cross-border delays. The underlying blockchain infrastructure—with its transparency and efficiency—is proving capable of handling large-scale, real-world commerce flows.
Consumer Payments Also Climbing Strong
While corporate usage is dominant, consumer-facing channels are not far behind. Payment via crypto-linked cards is up 36 %, and business-to-consumer (B2C) payments increased by 32 % in the reported period. One particularly interesting growth vector is the “prefunding” method used by retailers to ensure immediate liquidity—this rose by 61 %.
As stated by David Alexander (venture partner at Anagram), the data suggests liquidity on-chain is increasingly converting into “cash that can be used in real life.” He notes that monthly crypto-card payments now exceed US$1.5 billion—a 50 % increase since the start of the year.
This suggests the user journey is evolving: from holding a digital asset for speculation, to yielding returns via DeFi protocols, to spending the asset in everyday life. The bridging of DeFi yields + traditional payments infrastructure is becoming a reality.
Shifting Blockchain Platforms & Stablecoin Market Shares
Another key development is the changing landscape of which blockchains and which stablecoins dominate payments. Historically, Tron held about 66 % of the stablecoin payment market at the end of 2024—but by August 2025, that share dropped to 48 %. Emerging platforms like Solana, Base, Codex and Plasma are gaining traction, thanks to lower fees and higher throughput.
In terms of stablecoins, USDT (issued by Tether Ltd.) continues to dominate with approximately 79 % of total payment value, benefiting from deep liquidity and wide global access, particularly in regions like Africa and Latin America. Meanwhile, USDC (issued by Circle Internet Financial) has quietly grown its share from 14 % to 21 % since February. As of the latest data, USDT’s market cap stands at ~US$183 billion and USDC at ~US$76 billion.
This dynamic shows not only competition among blockchains but also an evolution in stablecoin infrastructure. The higher‐performance chains are gaining share, and stablecoins are shifting from purely trading tools to payments infrastructure.
Why This Matters & What the Implications Are
-
Mainstreaming of crypto payments: The massive uptick in payment volumes signals that stablecoins are graduating from speculative assets into practical tools for commerce.
-
Reduced friction in cross-border and business payments: Stablecoins offer speed, transparency, and global reach, which may be especially meaningful for B2B transfers and global supply chains.
-
Emerging chains reshaping infrastructure: Platforms offering better cost/performance are seeing real adoption. This may reshape the competitive landscape among blockchains.
-
Regulatory and institutional impact: As stablecoins become more deeply embedded in payments, they will attract more regulatory attention and possibly new institutional usage scenarios.
-
Consumer adoption could accelerate: With crypto-cards and prefunding methods rising, everyday spending with stablecoins could soon be more common in retail environments, not just online or among nicheusers.
Looking Ahead: What to Watch
-
Regulatory frameworks: As stablecoins become more embedded in commerce, governments and regulators will likely introduce more formal rules—these could either boost or hamper adoption depending on how they’re crafted.
-
Expansion into more regions: Regions with underbanked populations and high remittance flows could particularly benefit from stablecoin payment infrastructure.
-
Technology & UX improvements: The user experience of spending crypto needs to keep improving to match the seamlessness of credit cards or digital wallets.
-
Stablecoin competition: While USDT and USDC currently dominate, new entrants or regulatory-backed digital currencies could shift market shares.
-
Integration with DeFi and financial services: The interplay between yield-earning crypto, on-chain liquidity, and real-world spending is an intriguing frontier.
In short, the data clearly shows that payments via stablecoins are not just growing—they’re exploding, shifting from a niche crypto experiment into a genuine payments mechanism trusted by businesses and increasingly by consumers. As the infrastructure matures and adoption spreads, we may well be witnessing the unfolding of a new payments era—one that combines the best of blockchain speed and transparency with real-world utility.
Ready to start your cryptocurrency journey?
If you’re interested in exploring the world of crypto trading, here are some trusted platforms where you can create an account:
- Binance – The world’s largest cryptocurrency exchange by volume.
- Bybit – A top choice for derivatives trading with an intuitive interface.
- OKX – A comprehensive platform featuring spot, futures, DeFi, and a powerful Web3 wallet.
- KuCoin – Known for its vast selection of altcoins and user-friendly mobile app.
These platforms offer innovative features and a secure environment for trading and learning about cryptocurrencies. Join today and start exploring the opportunities in this exciting space!
Want to stay updated with the latest insights and discussions on cryptocurrency?
Join our crypto community for news, discussions, and market updates: CryptoBCC on Telegram.
For collaborations and inquiries: CryptoBCC.com@gmail.com
Disclaimer: Always do your own research (DYOR) and ensure you understand the risks before making any financial decisions.
