88% of businesses plan stablecoin adoption within 12 months: Cybrid survey
In brief
- 88% of businesses likely to use stablecoins within 12 months, per Cybrid survey
- 42% already using stablecoins for cross-border payments with 35% average cost savings
- Regulatory clarity identified by 71% as more critical than infrastructure concerns
Adoption momentum accelerating
88% of respondents said they are likely or very likely to use stablecoins within the next 12 months, according to the Cybrid report. That's a stark shift from current usage: 42% of businesses surveyed are already using stablecoins for cross-border payments. The financial case is compelling. Businesses using stablecoins reported average cross-border payment cost savings of 35%, with larger operators seeing steeper gains. Companies processing more than $100 million in monthly payment volume reported average savings of up to 47%.
Payroll and contractor payments were the most common stablecoin use case among respondents, reflecting the speed and cost advantages of on-chain settlement. Real-world data backs the trend. Business-to-business transactions accounted for roughly 60% of the $390 billion in global stablecoin payment volume recorded in 2025. More telling still: business customers accounted for nearly 98% of stablecoin payout volume processed through Paybis during the first four months of 2026, up from 36% in 2023.
Regulatory clarity emerges as critical gatekeeper
The survey revealed a clear priority. 71% of respondents identified regulatory clarity as more important than trusted infrastructure providers or integration with existing systems. That sentiment reflects the legal uncertainty that's hung over stablecoins for years—though recent developments have begun to shift the landscape.
"Regulatory clarity was also a top factor respondents said would increase their confidence in expanding stablecoin use, with 71% identifying it as more important than trusted infrastructure providers or integration with existing systems."
The regulatory picture has evolved. The GENIUS Act established the first federal regulatory framework for payment stablecoins in the United States, creating a clearer path for issuers and users alike. GENIUS Act-compliant stablecoins have reached a market cap of more than $76 billion.
Market structure and recent moves
The global stablecoin market continues to consolidate around a handful of players. The global stablecoin market cap is $307.64 billion, with Tether's USDT commanding $184.7 billion and Circle's USDC at $73.51 billion. New entrants are emerging. In May, Falcon Finance debuted the dollar-backed stablecoin fUSD through Anchorage Digital Bank's federally regulated issuance platform. Meanwhile, traditional custodians are expanding their footprints—BNY expanded its digital asset custody platform to support Circle's USDC on Monday.
