Stablecoins are moving quickly from “crypto rails” toward mainstream corporate payment tools, according to a new survey from payments infrastructure firm Cybrid. The report suggests that a large share of businesses are already using stablecoins for cross-border transfers—and that confidence in further adoption will hinge heavily on clearer regulation.
Cybrid’s findings indicate that 42% of surveyed companies are using stablecoins for cross-border payments today, while 88% of respondents said they are likely or very likely to use them within the next 12 months. Among those benefits cited, cost savings stand out: businesses reported average cross-border payment cost reductions of 35%, with firms processing more than $100 million per month reporting average savings up to 47%.
Key takeaways
- Adoption is already underway: 42% of Cybrid’s surveyed businesses report using stablecoins for cross-border payments.
- Momentum looks set to accelerate: 88% said they expect to use stablecoins within the next year.
- Cost savings are a primary driver: average cross-border payment costs are reported down 35%, rising to as much as 47% for higher-volume firms.
- Regulatory clarity is the confidence lever: 71% of respondents said regulation matters more than trusted infrastructure providers or integration with existing systems.
- Stablecoin growth remains concentrated: CoinGecko data places total stablecoin market cap at $307.64 billion, with USDT and USDC leading.
Corporate stablecoin use is expanding beyond niche payments
Cybrid’s report is based on a survey of 468 executives and business leaders conducted between April 28 and May 4. Respondents represented technology, financial services, and ecommerce sectors across the United States, Canada, and the United Kingdom, including C-suite executives as well as finance and treasury, payments, and operations leadership.
While cross-border payments are the headline use case, the survey also points to a range of corporate applications. Payroll and contractor payments were cited as the most common use case after cross-border transfers, followed by supplier and vendor payments. Additional reported activities included customer payments and uses tied to investment and yield generation, along with treasury and liquidity management.
That breadth matters for investors and operators because it suggests stablecoins are not being evaluated solely as an alternative to one payment moment. Instead, businesses appear to be testing stablecoins across operating workflows—particularly where speed, settlement, and international reach can reduce friction.
Cost advantages reported by businesses
Cybrid’s survey quantifies the economic appeal. Businesses using stablecoins reported average cross-border payment cost savings of 35%. For companies handling more than $100 million in monthly payment volume, the average savings reportedly increased to as much as 47%.
These figures are particularly relevant because stablecoin adoption often depends on whether the technology can deliver measurable improvements over established banking and remittance channels. Cybrid also noted that only 2% of respondents described themselves as “committed” users of traditional payment rails, a contrast that implies stablecoin workflows may be winning share where they provide clearer cost or operational benefits.
Regulation is emerging as the deciding factor
Beyond pricing, the survey highlights a key decision-making variable: regulatory clarity. According to Cybrid, 71% of respondents said it would increase their confidence to expand stablecoin use—and did so more than other considerations such as trusted infrastructure providers or integration with existing systems.
This emphasis aligns with broader market dynamics. The report points to momentum driven by U.S. legislation for payment stablecoins. It references the emergence of GENIUS Act-compliant stablecoins, noting that these have reached a combined market cap above $76 billion—marking the first federal regulatory framework for payment stablecoins in the United States.
At the same time, the survey’s geography and respondent profile indicate that corporations are actively looking for frameworks that can be relied on at the point of operational deployment, not just pilot testing.
Stablecoin market size continues to grow as infrastructure upgrades
The Cybrid report arrives as stablecoins continue to scale. CoinGecko data cited in the report puts total stablecoin market cap at $307.64 billion. Tether’s USDT leads at $184.7 billion, followed by Circle’s USDC at $73.51 billion. The same data set is referenced to highlight how GENIUS Act-compliant stablecoins have grown to more than $76 billion in market cap.
Additional industry signals cited alongside Cybrid’s survey reinforce the shift toward business demand. Paybis previously said business customers accounted for nearly 98% of stablecoin payout volume processed through its platform in the first four months of 2026, up from 36% in 2023. Paybis also referenced McKinsey research estimating that business-to-business transactions represent roughly 60% of the $390 billion in global stablecoin payment volume recorded in 2025.
Meanwhile, major infrastructure providers continue expanding regulated pathways for stablecoin issuance, custody, and transfers. In May, Falcon Finance debuted fUSD—a dollar-backed stablecoin—through Anchorage Digital Bank’s federally regulated issuance platform, aiming at institutional trading, collateral, and treasury workflows. More recently, BNY expanded its digital asset custody platform to support Circle’s USDC, enabling institutional clients to store, transfer, mint, and redeem the stablecoin through the bank.
Together, these developments suggest that corporate interest is increasingly meeting operational capability. For businesses, the practical question is no longer whether stablecoins can move value, but whether they can be integrated into compliant, bank-adjacent processes that reduce operational risk.
What to watch in the next 12 months
Cybrid’s survey indicates stablecoin adoption is likely to intensify, but the data also implies that expansion may depend on continued regulatory progress and on how quickly corporate infrastructure becomes easier to deploy. Investors and teams should watch whether compliance-driven infrastructure keeps pace with demand—and whether businesses that are “likely” to use stablecoins convert into consistent, long-term users.
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