Stablecoins Are Becoming a Settlement Tool - And Brokers Need to Adapt

Thursday, 15/01/2026 | 14:28 GMT by Tanya Chepkova
  • According to Binance Research’s Full-Year 2025 report, stablecoins are increasingly used for B2B settlement and treasury operations.
  • Regulation and institutional adoption are pushing stablecoins into the payments and settlement layer, raising their relevance for brokers.
stablecoin

The stablecoin market has fundamentally transformed from a crypto-native experiment into critical infrastructure for B2B payments and settlement.

According to Binance Research’s Full-Year 2025 report, this evolution will force traditional brokers and fintech firms to reconsider how they approach digital payments.

The Numbers Tell the Story

In 2025, stablecoin market capitalization surged nearly 50% to exceed $305 billion, while daily transaction volumes reached $3.54 trillion. The report reveals that stablecoins now achieve an annual monetary velocity of approximately 110x, meaning the average stablecoin dollar circulates once every 3.3 days.

These figures are comparable to Visa’s reported volume of $1.34 trillion, indicating a high level of stablecoin usage for cross-border transactions.

Stablecoin average monthly volumes surpassed Visa’s. Source: Binance report
Stablecoin average monthly volumes surpassed Visa’s. Source: Binance report

Six new stablecoins crossed the $1 billion market cap threshold in 2025. These include BlackRock’s BUIDL, PayPal’s PYUSD, and Ripple’s RLUSD. Each targets distinct B2B use cases, from institutional settlement to cross-border remittances.

Regulatory Clarity Changes the Game

The passage of the U.S. GENIUS Act in July 2025 established the first federal framework for stablecoin oversight, requiring 1:1 reserve backing and monthly audits. Europe’s MiCA implementation created similar standards, effectively legitimizing stablecoins as regulated financial instruments rather than speculative assets.

For brokers and payment processors, this regulatory clarity eliminates a major barrier to institutional adoption. Under new rules, banks can now integrate stablecoin systems, while fintech platforms gain a foundation for cross-border settlement with lower operational costs than traditional methods.

The 2026 Outlook: Mainstream Consumer Adoption

According to the research, 2026 will mark stablecoins’ transition into everyday consumer finance through neobank applications and digital wallets. The competitive landscape is intensifying. Stripe and PayPal are building stablecoin infrastructure leveraging their distribution networks, while crypto-native platforms like MetaMask (30 million users) and Phantom (15-17 million users) are evolving into full-fledged neobanks.

The report projects a total stablecoin market size of $1.9 trillion by 2030, representing a compound annual growth rate of approximately 58%. For brokers and fintech firms, stablecoin integration is no longer optional—it’s foundational infrastructure for competing in tomorrow’s digital economy.

The stablecoin market has fundamentally transformed from a crypto-native experiment into critical infrastructure for B2B payments and settlement.

According to Binance Research’s Full-Year 2025 report, this evolution will force traditional brokers and fintech firms to reconsider how they approach digital payments.

The Numbers Tell the Story

In 2025, stablecoin market capitalization surged nearly 50% to exceed $305 billion, while daily transaction volumes reached $3.54 trillion. The report reveals that stablecoins now achieve an annual monetary velocity of approximately 110x, meaning the average stablecoin dollar circulates once every 3.3 days.

These figures are comparable to Visa’s reported volume of $1.34 trillion, indicating a high level of stablecoin usage for cross-border transactions.

Stablecoin average monthly volumes surpassed Visa’s. Source: Binance report
Stablecoin average monthly volumes surpassed Visa’s. Source: Binance report

Six new stablecoins crossed the $1 billion market cap threshold in 2025. These include BlackRock’s BUIDL, PayPal’s PYUSD, and Ripple’s RLUSD. Each targets distinct B2B use cases, from institutional settlement to cross-border remittances.

Regulatory Clarity Changes the Game

The passage of the U.S. GENIUS Act in July 2025 established the first federal framework for stablecoin oversight, requiring 1:1 reserve backing and monthly audits. Europe’s MiCA implementation created similar standards, effectively legitimizing stablecoins as regulated financial instruments rather than speculative assets.

For brokers and payment processors, this regulatory clarity eliminates a major barrier to institutional adoption. Under new rules, banks can now integrate stablecoin systems, while fintech platforms gain a foundation for cross-border settlement with lower operational costs than traditional methods.

The 2026 Outlook: Mainstream Consumer Adoption

According to the research, 2026 will mark stablecoins’ transition into everyday consumer finance through neobank applications and digital wallets. The competitive landscape is intensifying. Stripe and PayPal are building stablecoin infrastructure leveraging their distribution networks, while crypto-native platforms like MetaMask (30 million users) and Phantom (15-17 million users) are evolving into full-fledged neobanks.

The report projects a total stablecoin market size of $1.9 trillion by 2030, representing a compound annual growth rate of approximately 58%. For brokers and fintech firms, stablecoin integration is no longer optional—it’s foundational infrastructure for competing in tomorrow’s digital economy.

About the Author: Tanya Chepkova
Tanya Chepkova
  • 66 Articles
About the Author: Tanya Chepkova
  • 66 Articles

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