Headline: Stablecoins are winning business payments, Paybis report says
At Money20/20 Europe in Amsterdam, crypto platform Paybis released a report showing a rapid shift from retail trading to corporate use of stablecoins for cross-border payments. Serving some 7 million users, Paybis presented data indicating that dollar-linked tokens are increasingly becoming part of commercial payment and treasury flows.
Key findings
- 22.5% of surveyed businesses already use stablecoins for cross-border payments or plan to within 12 months.
- Stablecoins made up 86% of Paybis’s crypto volume in April 2026, up from just 12% in July 2023—a stark change in platform mix.
- Business customers dominate that activity: B2B payments were 96.9% of Paybis’s stablecoin volume in 2025 and 97.8% from January–April 2026.
- Total stablecoin volume on Paybis hit $2.81 billion in May 2026. January–April 2026 volume rose 135% versus the same period in 2025.
Which industries are using stablecoins?
Paybis found use concentrated where fast international settlement matters most:
- Digital goods: 21.4% of B2B stablecoin volume since April 2024
- Virtual assets business: 15.8%
- Technology: 15.1%
- Retail & e‑commerce: 14.5%
- Financial technology: 11.6%
Expectation gaps that could slow adoption
The report also revealed mismatches between business expectations and reality: 53% of respondents expect international stablecoin transfers to settle instantly, while 47% expect settlement to take between one hour and one day. Expectations on fees were split too—about 33.3% expected fees near 3%, while 32% expected 0.01%. Paybis notes real stablecoin payment costs are often below 1%, suggesting education and better "plumbing" are needed.
Context and industry momentum
Paybis’s findings align with broader payments industry moves. Mastercard has expanded stablecoin settlement support across multiple blockchains and for regulated dollar-backed tokens including USDC, RLUSD and PYUSD. In Europe, banks and corporates are also choosing stablecoin partners under MiCA rules to support payments, settlement and cross‑border treasury.
“We’re seeing stablecoins move from a crypto niche to business infrastructure,” Paybis co‑founder and CBDO Konstantins Vasilenko said, noting companies are adopting stablecoins for faster cross‑border settlement and treasury movement. “What’s missing is plumbing.” Paybis positions its product as that plumbing—offering companies a single API for stablecoin payment flows with dedicated IBANs, on‑ and off‑ramps and licensed crypto rails.
Why it matters
The trend underscores stablecoins’ growing role beyond retail speculation: they’re becoming practical tools for corporate liquidity, cross‑border payments and treasury efficiency. But adoption will depend on clearer expectations around settlement time and costs, plus infrastructure and regulatory clarity as firms integrate tokenized dollar rails into traditional payments stacks.
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