Stablecoin Payments Surge 70% After U.S. Regulation, Businesses Lead Growth

Stablecoin transactions surged to $10 billion in August 2025, with business-to-business transfers totaling $6.4 billion. Peer-to-peer payments remained at $1.6 billion. Annualized volume could hit $122 billion following the Genius Act’s regulatory framework.

iShook Opinion

Oct 25, 2025 - 09:32

Stablecoin Payments Surge 70% After U.S. Regulation, Businesses Lead Growth

The Genius Act, passed by the U.S. on July 18, requires stablecoin issuers to fully back their tokens with highly liquid assets, including Treasury bills. This ensures each token maintains a 1:1 dollar peg. Following the legislation, blockchain analytics firm Artemis reported that monthly stablecoin payments reached $10 billion in August 2025, up from $6 billion in February and more than double the $4.8 billion recorded in August 2024.

Stablecoin Payments Jump in August

The surge in August signals strong post-Genius Act momentum, especially among institutional and corporate users. At the current growth rate, annualized stablecoin payments could hit $122 billion, underscoring the growing relevance of digital tokens in financial transactions.

“Stablecoin supply was already on an upward trend, but the Genius Act accelerated adoption among businesses and institutions,” said Andrew Van Aken, data scientist at Artemis.

B2B Transfers Lead Market Growth

Business-to-business (B2B) transactions now account for $6.4 billion per month, nearly two-thirds of all stablecoin activity — a 113% increase since February 2025. Peer-to-peer consumer payments remain steady at $1.6 billion monthly, showing that corporate adoption is the primary driver of growth.

Large companies favor stablecoins for high-value transfers averaging $250,000, bypassing traditional banking delays that often involve multiple intermediary banks. “Businesses are using stablecoins to move capital instantly, reduce transaction risk, and improve operational efficiency,” Van Aken explained.

Banks Turn to Stablecoins for International Transfers

Financial institutions are increasingly integrating stablecoins to speed cross-border payments. U.S.-based payment network Zelle announced plans to use stablecoins for international transactions, aiming to cut settlement times from days to minutes.

By reducing reliance on multiple correspondent banks, stablecoins allow institutions to move large corporate payments more efficiently and securely, addressing longstanding delays in global banking systems. Analysts note that such adoption could reshape cross-border corporate finance over the next year.

High-Value Payments Shift to Digital Tokens

Corporate treasuries are adopting stablecoins for liquidity management and operational transparency. With monthly B2B payments exceeding $6.4 billion, companies are leveraging stablecoins to minimize settlement risk and improve cash-flow management.

“Stablecoins offer both speed and reliability for large transfers,” said Van Aken. “As regulatory clarity and adoption expand, firms are likely to integrate digital tokens into core treasury operations.”

Although stablecoin payments still represent a small fraction of global financial flows, the rapid growth demonstrates potential for mainstream adoption, particularly in corporate and institutional finance.

Stablecoins Gain Traction in Corporate and Cross-Border Payments

Stablecoins are increasingly being used for high-value corporate and international transactions. The Genius Act, passed on July 18, requires tokens to be fully backed by liquid assets such as Treasury bills, giving companies and banks confidence in their stability.

Corporate treasuries are now processing payments averaging $250,000 with stablecoins, bypassing slow correspondent banking systems. Business-to-business transactions account for $6.4 billion per month, while peer-to-peer consumer payments remain at $1.6 billion, showing that corporate usage is the primary driver of growth.

Banks are adopting stablecoins to speed up cross-border payments, reducing settlement times from days to minutes and lowering operational costs. These trends indicate that digital tokens are becoming a practical tool for liquidity management and high-value transactions, not just a niche digital asset.