USDT Dominates as Stablecoin Payments Grow 70% in 2025 B2B Sector

B2B payments were the most active segment for stablecoin usage. App and card payments expanded in 2025, showing mainstream retail adoption. | Source: Artemis

While USDT holds an 85% market share by volume, USDC‘s integration with enterprise platforms has accelerated its uptake. Blockchains like TRON process the highest volumes, followed by Ethereum, BNB Chain, and Polygon, each contributing to the ecosystem’s interoperability. This data-driven approach, as noted by Artemis, positions B2B stablecoin payments as a cornerstone for digital finance transformation.

Beyond B2B, other vectors contribute to overall adoption. P2P payments, at $19 billion annually, cater to individual remittances but lag in average transaction size—typically under $500—compared to B2Bs multi-million-dollar deals. These transfers, while convenient, face challenges like regulatory scrutiny and scam risks, where only a small portion of illicit funds is recovered.

Crypto cards represent another growth area, with $18 billion in yearly settlements as of August 2025. Providers like Exa and Gnosis Pay link stablecoin wallets to traditional card networks, mimicking debit card functionality. Monthly volumes exceed $1.5 billion, aligning with average U.S. debit spending patterns and signaling retail mainstreaming. Regulations have eased since 2023, boosting card issuance and usage for everyday purchases.

B2C payments, though smaller at $3.3 billion annually, enable direct merchant settlements, while prefunded solutions handle $3.6 billion for automated payroll and subscriptions. Centralized exchanges play a pivotal role through apps like Bybit Pay and Binance Pay, which onboard millions of users to stablecoin transfers. These tools convert fiat to stablecoins seamlessly, addressing scalability for global operations.

Payment gateways such as BVNK further enhance accessibility by integrating banks with blockchains. Businesses deposit fiat, which BVNK converts to stablecoins for backend processing, leveraging blockchain speed for cross-border payouts. This hybrid model resolves traditional finances friction, with BVNK reporting doubled transaction volumes in 2025 amid rising demand from e-commerce and freelancing sectors.

Despite these advances, challenges persist. P2P remains vulnerable to fraud, with stablecoins implicated in scams where recovery rates hover below 20%. Users are increasingly shifting to regulated apps for security, underscoring the need for continued oversight. Overall, the data from Artemis illustrates a market maturing toward practical utility, with stablecoins embedded in diverse payment flows.

Frequently Asked QuestionsWhat Is the Leading Stablecoin in 2025 Payment Volumes？

Tethers USDT dominates stablecoin payments in 2025 with an 85% market share by volume, according to Artemis data from 22 providers. It powers most B2B and P2P transfers due to its liquidity and availability on major blockchains like TRON. USDC follows as a strong contender, particularly in regulated enterprise settings, processing billions in efficient settlements.

Which Regions See the Highest Stablecoin Payment Activity？

The USA, Singapore, and Hong Kong lead in stablecoin payment volumes in 2025, driven by business hubs and favorable regulations. These areas account for the bulk of $136 billion in tracked transactions, facilitating international trade and remittances with minimal delays. Global adoption continues to spread, but these centers set the pace for innovation.

Key Takeaways

• B2B Dominance: Stablecoin payments in B2B reached $76 billion annually, enabling fast, cost-effective global settlements that traditional systems cant match.
• Retail Integration via Cards: Crypto cards settled $18 billion yearly, bridging stablecoins with daily spending and showing a 70% usage surge since early 2025.
• Exchange-Led Growth: Platforms like Bybit Pay and Binance Pay have onboarded users to stablecoins, while gateways like BVNK solve fiat-blockchain interoperability for scalable business use.

Conclusion

In summary, stablecoin payments in 2025 have transformed financial transactions, with over 70% growth since February propelled by B2B efficiency and tools like crypto cards. Data from Artemis highlights USDT and USDCs pivotal roles across blockchains, from TRONs high volumes to emerging P2P and B2C applications. As adoption deepens, stablecoins promise greater financial accessibility worldwide—businesses and individuals alike should explore these solutions to streamline their operations in an increasingly digital economy.