Stablecoin Surge: B2B Transactions Propel Growth Amid Regulatory Advances

Stablecoins are becoming the preferred payment method for businesses, as evidenced by significant growth in usage. The euro-backed EURC has seen a dramatic increase, and new contenders like USD1 are gaining traction. Is this category accelerating beyond expectations?

B2B Payments: Leading the Stablecoin Adoption

Enhanced regulations over the past year have led to a surge in stablecoin usage, particularly in B2B transactions. Traditional payment methods often entail delays, high costs, and complex operations, making stablecoins an attractive alternative.

Recent data indicates that B2B stablecoin payments are expanding more rapidly than other applications, surpassing card-linked expenditures, peer-to-peer transfers, and business-to-consumer payouts. The key advantage of stablecoins lies in their ability to streamline cross-border and multi-currency transactions while eliminating intermediaries, reducing settlement times from days to mere minutes.

Impressive Growth Metrics

As consumer-focused applications continue to grow steadily, B2B payments are where stablecoins are making a significant impact. Circle’s EURC has experienced a market cap surge of approximately 300% year-over-year, nearing $400 million by January 2026. This growth is fueled by favorable legal frameworks in the EU.

Meanwhile, dollar-based stablecoins are dominating in volume. USDC's usage on Ethereum has reached an all-time high, with quarterly transfer volumes up almost 400% year-over-year, surpassing $4.5 trillion in Q4 2025. The real-world payment and settlement applications of stablecoins have increased significantly.

New entrants like USD1, issued by Trump-backed World Liberty Financial, are quickly ascending the ranks. USD1 is projected to join the top three stablecoins by market cap if its current growth trajectory continues.

Conclusion

• B2B payments are the fastest-growing stablecoin use case.
• With EURC up 300% YoY and USDC transferring $4.5T in a quarter, stablecoins are gaining momentum.