- Alex says corporate stablecoin adoption is growing as businesses prioritize faster settlement and measurable savings over crypto ideology.
- B2B stablecoin payments reached roughly $226 billion in 2025, while major payment firms continue expanding stablecoin settlement.
- Competition could accelerate adoption as companies use stablecoins to reduce treasury costs, FX expenses and capital tied up during settlement.
Stablecoin payments are moving from crypto-native users toward companies seeking faster and cheaper cross-border transactions, according to finance researcher Alex. The Artemis and Oobit partner said adoption is progressing through belief and business interest before competitive pressure becomes the main driver. He pointed to growing corporate use, payment platforms, and lower settlement costs as key factors.
Corporate Use Moves Beyond Crypto
Alex said the first stablecoin users included exchanges, OTC desks, merchants, and freelancers in markets with financial restrictions. Many used USDT because banking alternatives were slower, unavailable, or costly.
Tron now holds roughly half of all USDT in circulation, according to Alex. He described that activity as settlement demand rather than speculative demand. However, corporate interest represents a different stage.
Stripe acquired Bridge and added stablecoin payouts, while PayPal launched PYUSD. Visa and Mastercard also connected USDC settlement. Meanwhile, Deel plans a stablecoin for contractor payouts, and Revolut is processing blockchain volumes measured cumulatively in trillions.
Alex said these companies focus on measurable savings rather than crypto ideology. Stablecoin payments reached roughly $226 billion in B2B volume during 2025.
Competition Could Drive Wider Adoption
Alex said the next stage could emerge when companies lose business because competitors settle faster. He described a potential difference between T+0 stablecoin settlement and slower traditional payment processes.
New companies could also build directly around stablecoin rails instead of migrating from banking systems. Alex said this could reduce treasury staffing, foreign exchange costs, and funds held during settlement.
As those costs fall, companies could compete using thinner margins. Incumbents could then face pressure to connect stablecoin payment rails.
Alex compared this process with online retail, where competition eventually pushed traditional retailers toward digital channels.
Cross-Border Rails Remain the Focus
The researcher acknowledged improvements across traditional payment infrastructure. He cited SWIFT gpi, instant payments, and tokenized deposits from JPMorgan and Citi. However, Alex said cross-border payments retain a structural issue because banks operate across separate ledgers.
Stablecoins provide a shared settlement ledger across participating markets. He said tokenized deposits from individual banks do not create the same shared infrastructure. Therefore, Alex expects stablecoin payment volume and supply to expand in successive waves as companies hold more working balances onchain.