Stablecoin Payments Hit a New Record As Real-World Crypto Spending Accelerates
Stablecoin settlement volumes have expanded sharply this yr, climbing 70% from $6 billion in February to greater than $10 billion by August 2025.
According to a report from Artemis, the surge displays how digital {dollars} are leaving the buying and selling area and getting into mainstream commerce, with business-to-business transfers rising because the dominant development driver.
B2B Transactions Power Stablecoins Payment Growth
Artemis’ figures present that company utilization of stablecoins now accounts for practically two-thirds of whole funds.
According to the agency, month-to-month B2B quantity has greater than doubled since February, rising 113% to about $6.4 billion. The enlargement lifted the cumulative worth of stablecoin payments since 2023 to over $136 billion, representing that on-chain cash is not a area of interest settlement instrument.
Meanwhile, client channels are following the identical trajectory of development.
Card-based crypto funds have elevated by about 36%, whereas business-to-consumer transactions are up 32%. Prefunding, typically utilized by retailers to take care of prompt liquidity, additionally jumped 61% throughout the reporting interval.
David Alexander, accomplice at enterprise agency Anagram, stated the numbers present how on-chain liquidity is being changed into spendable money in the true world. For context, he famous crypto card payments now course of greater than $1.5 billion every month, up 50% year-to-date.
He identified that these mechanisms permit customers to earn yields on idle property by means of decentralized finance (DeFi) protocols after which spend these property in actual time.
This seamless move successfully converts blockchain-based liquidity into usable money, merging the yield alternatives of DeFi with the familiarity of traditional payment networks.
“One of the earliest use instances for stablecoins was easy peer-to-peer transfers. The enchantment was sending cash quicker and cheaper, and making fiat extra accessible, significantly for areas with restricted entry to conventional types of banking. But that’s the place the trail of onchain cash historically ended: customers couldn’t spend it offchain. Now, that very same cash has advanced into programmable capital: property that reside onchain, earn yield, and performance as direct equivalents to conventional cost devices, usable anyplace on the earth,” Alexander said.
Tron’s Market Share Shrinks as Tether Consolidates Power
While the Tron community stays the biggest blockchain for stablecoin settlement, its lead is narrowing.
According to Artemis information, Tron’s share dropped from 66% in late 2024 to 48% by August 2025, as newer, quicker networks like Base, Codex, Plasma, and Solana started capturing liquidity.
Dragonfly accomplice Omar Kanji said this development marks the “starting of a structural rotation,” the place lower-cost and high-throughput alternate options steadily eat into Tron’s dominance.
On the asset facet, Tether’s USDT continues to dominate the stablecoin ecosystem with roughly 79% of all cost quantity, pushed by deep liquidity and unmatched accessibility throughout Africa and Latin America.
Yet Circle’s USDC is quietly increasing its footprint as its share rose from 14% to 21% since February.
Data from DeFiLlama exhibits that USDT’s market capitalization stands at $183 billion, whereas USDC hovers close to $76 billion. Together, they anchor the over $300-billion network of digital dollars that now transfer with the velocity of code and the attain of world finance.
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