Business use of stablecoins set for growth surge: Cybrid

Business use of stablecoins is set for a sharp growth surge over the next 12 months, according to a new Cybrid report. Eighty-eight percent of surveyed executives said they are likely or very likely to adopt stablecoins for cross-border payments, while 42% already do so and report average cost savings of 35%. Regulatory clarity, not technology, remains the biggest barrier to wider adoption.

Key Takeaways

• Eighty-eight percent of 468 executives surveyed expect stablecoin use within 12 months; 42% already pay cross-border with tokens.
• Users report 35% average cost savings on international payments, rising to 47% for firms moving more than $100 million monthly.
• Regulatory clarity topped confidence factors for 71% of respondents, ahead of infrastructure or systems integration.
• Payroll and contractor payments lead current use cases, followed by supplier, customer, and treasury workflows.
• Industry moves including MetaMask's yield account and BNY's USDC custody expansion signal deeper stablecoin infrastructure.

Why is business use of stablecoins set for a growth surge?

Payments infrastructure firm Cybrid says corporate stablecoin adoption is moving from experiment to mainstream. Its survey of 468 executives and business leaders, conducted between April 28 and May 4, found that 42% already use stablecoins for cross-border payments. Another 88% said they are likely or very likely to do so within the next 12 months.

Only 2% of respondents identified as committed users of traditional payment rails. Global stablecoin market capitalization stood at $307.64 billion, led by Tether's USDT at $184.7 billion and Circle's USDC at $73.51 billion, according to CoinGecko figures cited in the report.

Paybis said business customers accounted for nearly 98% of stablecoin payout volume on its platform during the first four months of 2026, up from 36% in 2023. McKinsey research cited in the report estimated business-to-business transactions made up roughly 60% of the $390 billion in global stablecoin payment volume recorded in 2025.

What is holding businesses back from wider stablecoin adoption?

Regulatory clarity was the single biggest barrier to wider adoption in the Cybrid survey. Seventy-one percent of respondents said clearer rules would increase their confidence more than trusted infrastructure providers or integration with existing systems.

GENIUS Act-compliant stablecoins reached a market cap of more than $76 billion, establishing what the report describes as the first federal regulatory framework for payment stablecoins in the United States. Executives from technology, financial services, and ecommerce in the United States, Canada, and the United Kingdom said rules remain the priority before they expand usage.

For more context on how regulation and market moves are shaping digital finance, see our Fintech & Crypto Alerts coverage.

Where are companies already using stablecoins today?

Payroll and contractor payments were the most common stablecoin use case among respondents, followed by supplier payments, customer payments, investment and yield generation, vendor payments, and treasury and liquidity management.

Businesses already using stablecoins reported average cross-border payment cost savings of 35%. Companies processing more than $100 million in monthly payment volume reported average savings of up to 47%, according to the survey.

MetaMask launched its Money Account on Tuesday, offering up to 4% variable APY on mUSD stablecoin balances and card spending powered by DeFi vaults, excluding the UK and EU. While that product targets wallet users rather than treasury desks, it shows how dollar-pegged tokens are spreading across payments, yield, and spending.

How is stablecoin infrastructure expanding for enterprises?

In May, Falcon Finance debuted the dollar-backed stablecoin fUSD through Anchorage Digital Bank's federally regulated issuance platform, targeting institutional trading, collateral, and treasury workflows.

On Monday, BNY expanded its digital asset custody platform to support Circle's USDC, allowing institutional clients to store, transfer, mint, and redeem the stablecoin directly through the bank. Breez also launched Bitcoin-to-stablecoin payments across more than 30 blockchains.

The full Cybrid findings are detailed in Cointelegraph's report on the survey. Taken together, the data suggests business stablecoin use is set to accelerate once regulators give finance teams the clarity they say they need.