Businesses are turning to stablecoins as B2B volumes explode – Details

ambcryptoDipublikasikan tanggal 2026-01-29Terakhir diperbarui pada 2026-01-29

Abstrak

Stablecoins are becoming the preferred payment method for businesses, with B2B transactions driving the most significant growth. Improved regulations have accelerated adoption, as stablecoins address key pain points in traditional B2B payments—slow processing, high costs, and operational complexity. Recent data shows B2B stablecoin payments are expanding much faster than card-linked spending, P2P transfers, and B2C use cases. They enable faster cross-border settlements, reduce intermediaries, and cut transaction times from days to minutes. Key developments include Circle’s EURC, which grew nearly 300% year-on-year to around $400 million market cap by January 2026, supported by favorable EU regulations. Meanwhile, USDC on Ethereum reached a record $4.5 trillion in quarterly transfer volume in Q4 2025, up 400% YoY. New entrants like USD1, issued by Trump-backed World Liberty Financial, are also gaining market share rapidly. The stablecoin category is scaling faster than expected, with B2B leading the expansion.

Stablecoins are the go-to payment mode for businesses, and the numbers are starting to show it. With EURC posting mammoth growth and new players like USD1 gaining ground, is the category moving faster than expected?

B2B is where stablecoin payments are scaling the fastest

With improved regulations in the last year, stablecoin usage surged. This is especially true with B2B transactions, where traditional payments are slow, costly, and operationally heavy.

Source: X

Recent data showed B2B stablecoin payments growing far faster than other use cases, outpacing card-linked spending, P2P transfers, and B2C payouts by a wide margin.

The appeal is that stablecoins simplify cross-border and multi-currency settlements while cutting out intermediaries. They also reduce settlement times from days to minutes.

While consumer-facing use cases continue to grow steadily, B2B payments is the sphere where stablecoins are clearly gaining traction.

Numbers are stacking up!

Source: X

In recent days, it’s been made clear that the stablecoin category is actively scaling.

The latest in the category is that Circle’s euro-backed EURC’s market cap has jumped roughly 300% year-on-year (YoY), reaching close to $400 million by January 2026.

There’s a huge push into the EU market with improved legalities that work in favor of growth.

Source: X

On the other hand, dollar-based stablecoins are dominating in volume. USDC usage on Ethereum is at an all time high, with quarterly transfer volumes up nearly 400% YoY, surpassing $4.5 trillion in Q4 2025.

The real payment and settlement use cases have increased drastically in the days since.

Source: X

Newer entrants are moving fast as well. USD1, issued by Trump-backed World Liberty Financial (WLFi), is already closing in on the top tier of stablecoins by market cap.

The coin is projected to be in the top 3 by market cap soon, at the current pace.

Final Thoughts

  • B2B payments are the fastest-growing stablecoin use case.
  • With EURC up 300% YoY and USDC moving $4.5T in a quarter, stablecoins are growing.
Next: SEC and CFTC signal execution phase for crypto regulation at harmonization meeting
Share
  • Share
  • Tweet

Pertanyaan Terkait

QWhat is the fastest-growing use case for stablecoins according to the article?

AB2B payments are the fastest-growing stablecoin use case.

QWhich euro-backed stablecoin saw a 300% year-on-year growth in market cap?

ACircle's euro-backed EURC stablecoin saw its market cap jump roughly 300% year-on-year.

QWhat are the key advantages of using stablecoins for B2B transactions mentioned in the text?

AStablecoins simplify cross-border and multi-currency settlements, cut out intermediaries, and reduce settlement times from days to minutes.

QHow much did USDC's quarterly transfer volume on Ethereum increase year-on-year?

AUSDC's quarterly transfer volumes on Ethereum were up nearly 400% year-on-year, surpassing $4.5 trillion in Q4 2025.

QWhich new stablecoin issued by Trump-backed World Liberty Financial is rapidly gaining market share?

AUSD1, issued by Trump-backed World Liberty Financial (WLFi), is rapidly gaining market share and is projected to be in the top 3 stablecoins by market cap soon.

Bacaan Terkait

Wawancara dengan Tom Lee: Membeli 5% dari Total Pasokan ETH Bukanlah Tujuan Akhir, Target Harga Capai $10,000

Pernyataan Kepentingan: Tom Lee, Ketua BitMine Immersion Technologies (NYSE: BMNR), memiliki kepentingan finansial yang signifikan terkait ETH, BMNR, dan dana terkait. BMNR adalah pemegang institusional Ethereum terbesar, dengan sekitar 5.84 juta ETH (sekitar 4.8% dari total pasokan). **Ringkasan Wawancara:** Dalam 14 bulan, BitMine berhasil mengakumulasi hampir 5% dari total pasokan ETH, mendekati targetnya. Strategi utamanya adalah pembiayaan ekuitas bersih tanpa utang, pembelian ETH mingguan yang disiplin selama lebih dari 60 minggu, dan belakangan dikombinasikan dengan pembelian kembali saham. Sumber dana berasal dari penerbitan saham di atas nilai aset bersih (NAV), pembelian ETH dengan diskon, dan penerbitan saham preferen perpetual BMNP (berdividen 9.5%). Setelah mencapai target 5%, BitMine tidak akan berhenti membeli jika permintaan institusional jangka panjang muncul. Perusahaan tidak perlu menjual ETH untuk menutup biaya karena pendapatan staking tahunan (~$300 juta) sudah melebihi pembayaran dividen saham preferen. Lee memandang ETH sebagai *store of value* (seperti saham/tanah) alih-alih aset arus kas murni. BitMine juga bertransformasi menjadi perusahaan ekosistem Ethereum dengan platform staking Maven dan mendanai pemisahan beberapa entitas dari Ethereum Foundation. Lee yakin pasar kripto telah mendekati titik terendah. Ia memberikan target harga ETH: di atas $5.000 dalam siklus bull berikutnya, dan dapat dengan mudah melampaui $10.000 dalam 1-2 tahun jika permintaan dari tokenisasi Wall Street dan AI terwujud.

marsbit4m yang lalu

Wawancara dengan Tom Lee: Membeli 5% dari Total Pasokan ETH Bukanlah Tujuan Akhir, Target Harga Capai $10,000

marsbit4m yang lalu

Spekulasi Wall Street: Apa Langkah Selanjutnya untuk "Penyelamatan Utang AS" oleh Bessent?

Menteri Keuangan AS Scott Bessent telah mengubah pendekatan dalam pengelolaan utang negara, menciptakan ketidakpastian baru di pasar obligasi AS sebesar $31 triliun. Fokus pasar kini tertuju pada pengumuman rencana pinjaman pemerintah triwulanan pada 4 November, yang dianggap sebagai faktor ketidakpastian yang belum pernah terjadi sebelumnya. Strategi utama yang diperkirakan oleh Wall Street meliputi: peningkatan pinjaman melalui penerbitan Treasury Bills dan surat utang berjangka pendek, perluasan skala program pembelian kembali (buyback) obligasi untuk meredam tekanan pada imbal hasil jangka panjang, serta kemungkinan pemotongan langsung penerbitan obligasi jangka panjang. Meskipun Bessent mengecualikan perubahan pada jadwal lelang rutin, para analis percaya bahwa revisi pedoman penerbitan terbaru memberikan ruang untuk mengurangi penjualan obligasi di ujung panjang kurva. Beberapa bank, termasuk Citi, bahkan meningkatkan risiko ekor bahwa Departemen Keuangan mungkin mengurangi atau membatalkan lelang obligasi 20 tahun. Namun, strategi memotong penerbitan utang jangka panjang menghadapi tantangan matematis dan risiko dianggap sebagai manipulasi pasar. Operasi pembelian kembali yang diperluas juga memiliki keterbatasan, karena harus didanai dengan penerbitan utang baru (kemungkinan jangka pendek) atau menggunakan kas di rekening Departemen Keuangan. Langkah-langkah ini menandai era baru dalam manajemen utang AS dan memaksa investor menilai ulang paparan risiko portofolio mereka.

marsbit5m yang lalu

Spekulasi Wall Street: Apa Langkah Selanjutnya untuk "Penyelamatan Utang AS" oleh Bessent?

marsbit5m yang lalu

Trading

Spot
活动图片

Kategori Populerright-arrow

Tag Populerright-arrow