Paybis: stablecoins are becoming the default for cross-border B2B payments
A new Paybis report unveiled at Money20/20 Europe in Amsterdam argues stablecoins are moving from crypto retail use into core business payment rails — and the numbers are striking.
Key findings
- 22.5% of surveyed businesses already use stablecoins for international payments or plan to within 12 months.
- Stablecoins represented 86% of Paybis’s crypto volume in April 2026, up from 12% in July 2023 — a clear shift away from retail trading toward business flows.
- Business clients now dominate stablecoin activity: B2B payments accounted for 96.9% of stablecoin volume in 2025 and 97.8% from January–April 2026.
- Total stablecoin volume on Paybis reached $2.81 billion in May 2026. Volume from January–April rose 135% year‑on‑year.
Sector concentration
Stablecoin use is especially heavy in industries that demand fast international settlement:
- Digital goods: 21.4% of B2B stablecoin volume (since April 2024)
- Virtual assets businesses: 15.8%
- Technology: 15.1%
- Retail & e‑commerce: 14.5%
- Financial technology: 11.6%
Context and momentum
Paybis — which says it serves 7 million users — presented the data as payments firms and banks met in Amsterdam. The trend follows broader moves in the industry: Mastercard has been expanding stablecoin settlement support across multiple blockchains and for regulated dollar‑pegged tokens such as USDC, RLUSD and PYUSD. In Europe, banks and corporates are also vetting stablecoin partners under MiCA rules to support payments, settlement and cross‑border treasury flows.
Barriers: expectations vs reality
The report highlights an important adoption hurdle: many businesses lack a clear understanding of stablecoin mechanics. For example:
- 53% of respondents expected international stablecoin transfers to settle instantly; 47% said settlement would take between one hour and one day.
- Expectations for fees were split: about 33.3% expected fees near 3%, while 32% expected 0.01%. Paybis notes that typical stablecoin payment costs are often below 1%, meaning misconceptions about speed and cost could slow adoption.
Paybis’ pitch: provide the plumbing
“Stablecoins have moved from a crypto niche to business infrastructure,” Paybis co‑founder and CBDO Konstantins Vasilenko said, adding that companies are now using them for faster cross‑border settlement and treasury movement. “What’s missing is plumbing.” Paybis says it addresses that gap with a single API for stablecoin payment flows — offering dedicated IBANs, on‑ramps, off‑ramps and licensed crypto rails for corporate customers.
Bottom line
The Paybis data paints a picture of stablecoins solidifying their role in business payments, driven by demand for speed and cross‑border efficiency. But widespread corporate adoption will depend on education, clear pricing expectations and the infrastructure to integrate stablecoins into existing treasury and payment stacks.
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