Stablecoin Payments Hit $390B Annualized as Enterprise Adoption Surges

TLDR:

• Stablecoin payments total $390B annualized, led by B2B enterprise and supplier settlements.
• Card-linked spending is fastest growing by transaction count, rising +673% year-on-year.
• P2P transfers reach $77B with 0.37% market penetration, reshaping remittance corridors.
• B2C payouts total $11B, growing +86%, led by payroll and creator economy adoption.

Stablecoin payments are tracking $390 billion on an annualized basis, data shows. B2B activity dominates with $226 billion, fueled by enterprise settlements and supplier payments. 

Card-linked spending is rising rapidly, with transaction volumes up 673 percent. Peer-to-peer transfers and early B2C payouts remain smaller but show significant growth momentum.

Enterprise and B2B Adoption Drives Market Growth

Enterprise and B2B transactions are the main contributors to stablecoin volume, accounting for over half of total payments. Corporate settlements and supplier payments have increased 733 percent compared with prior periods, indicating growing institutional reliance. 

According to blockchain transaction data shared by expert Leon Waidmann, businesses are integrating stablecoins for faster, borderless liquidity and automated payments. Card-linked spending also continues to rise, positioning debit cards funded with stablecoins as the fastest-growing consumer-facing segment.

P2P transfers remain smaller at $77 billion but already reach a 0.37 percent market penetration rate. This suggests remittance corridors are being restructured as stablecoins replace traditional intermediaries. 

The growth in enterprise adoption precedes broader consumer adoption, highlighting the strategic prioritization of infrastructure over retail. Payments data from public blockchain networks confirms that B2B and enterprise transactions remain the primary driver of total stablecoin activity.

Despite rapid growth, total market penetration across all segments is only 0.02 percent. The low overall adoption underscores how early the market remains for stablecoin payments. 

Stablecoins are securing a foundation in enterprise liquidity before reaching mass consumer use. Analysts tracking network activity highlight the potential for future retail adoption once infrastructure is established.

Consumer Spending and Emerging B2C Applications

Consumer adoption of stablecoin payments is emerging primarily through cards and payroll applications. Card-linked transactions have surged, offering a practical entry point into retail spending. 

Debut B2C use cases, including creator economy payouts and payroll, are still in early phases, totaling roughly $11 billion. Growth in these areas reached 86 percent, signaling accelerating adoption for emerging markets.

Payroll and creator-focused payments are just beginning to leverage stablecoins for recurring and cross-border payouts. Early integrations suggest that consumer adoption will expand as infrastructure matures. 

The expansion of cards as a consumer touchpoint complements enterprise dominance, bridging users into the broader ecosystem. Data from transaction networks suggests that these consumer-facing applications will grow alongside enterprise settlement systems.

The broader stablecoin ecosystem is positioning for a multi-trillion-dollar market, with infrastructure leading adoption. Companies building B2B stacks are establishing early dominance before retail markets mature. 

Card-linked and P2P transactions serve as entry points for consumer engagement. Continued adoption in enterprise, remittances, and emerging B2C applications underscores stablecoins’ expanding market footprint.

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Source: https://blockonomi.com/stablecoin-payments-hit-390b-annualized-as-enterprise-adoption-surges/