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FollowingThe adoption of stablecoins by companies is growing, with settlement speed and cost savings becoming the core drivers
Alex said that as companies prioritize faster settlement speeds and quantifiable cost savings over cryptocurrency ideology, the adoption of enterprise-level stablecoins is accelerating. In 2025, B2B stablecin payments will reach approximately US$226 billion, while major payment institutions continue to expand stablecin settlement services.
Competition may further drive penetration as companies use stablecoins to reduce capital management costs, foreign exchange fees, and capital occupied during settlement periods.
stablecoin payments shift from crypto native users to enterprises
Financial researcher Alex pointed out that stablecoin payments are shifting from crypto native users to companies seeking faster and cheaper cross-border transactions. He and Artemis and Oobit partners believe that the adoption process is experiencing a drive by faith and business interests before competitive pressure becomes the main driver. He mentioned growth in corporate use, development of payment platforms and reduced settlement costs as key factors.
Enterprise applications go beyond cryptocurrencies
Alex said that the original stablecoin users included exchanges, over-the-counter trading desks, merchants and freelancers in financially restricted markets. Many people use USDT because bank alternatives are slower, unavailable or more costly. According to Alex, the wavefield chain currently holds about half of the USDT in circulation. He described this activity as a settlement demand rather than a speculative demand. However, corporate interest represents another stage.
Stripe acquired Bridge and added stablecoin payment capabilities, PayPal launched PYUSD, and Visa and Mastercard also connected to USDC for settlement. At the same time, Deel plans to launch stablecoins for contractor payments, and the cumulative volume of blockchain transactions handled by Revolut has reached trillions of dollars. Alex said these companies are focusing on quantifiable cost savings rather than cryptocurrency ideology. B2B stablecin payments in 2025 will be approximately US$226 billion.
Competition may drive wider adoption
Alex believes the next phase will come when companies lose business because competitors settle faster. He pointed out potential differences between T+0 stablecoin settlement and the slower traditional payment process. New companies may also build their businesses directly around the stablecoin track rather than migrating from the banking system. Alex said this could reduce money managers, foreign exchange costs and the amount of money used during settlement periods. As these costs fall, companies can compete with thinner profit margins, and existing institutions may face pressure to access the stablecoin payment track. Alex compares the process to online retail, where competition ultimately forces traditional retailers to move to digital channels.
Cross-border payment track remains focus
The researcher acknowledged improvements in traditional payment infrastructure. He mentioned SWIFT gpi, instant payments and tokenized deposits at JPMorgan Chase and Citigroup. However, Alex pointed out that cross-border payments still present structural difficulties because banks operate on different ledgers. stablecoins provide a shared settlement ledger for participating markets. He said tokenized deposits from individual banks cannot create the same shared infrastructure. As a result, Alex expects that as companies hold more working capital balances along the chain, stablecoin payments and supply will expand in waves.
