Paybis: Stablecoins Are Reshaping Cross-Border Payments — But Corporate Ignorance Stalls The Shift

The numbers coming out of Money20/20 Europe in Amsterdam this week tell a story that the financial industry can no longer afford to ignore. New research from cryptocurrency payments platform Paybis suggests that stablecoins — long dismissed as a speculative curiosity on the fringes of crypto markets — are rapidly embedding themselves into the operational fabric of international business. Nearly one-quarter of companies surveyed are either already using stablecoins for cross-border payments or expect to within the next twelve months. That is not a niche signal. That is the beginning of a structural shift.

The platform’s own transaction data makes the case even more forcefully. Stablecoin transactions represented as much as 86% of Paybis’ crypto trading volume in April 2026, and total stablecoin volume reached $2.81 billion in May alone. Annual stablecoin volume grew more than sevenfold in 2025, and 2026 is tracking even higher. These are not vanity metrics — they reflect genuine commercial demand finding a reliable channel.

From Retail Speculation to B2B Infrastructure

What makes this moment particularly significant is not the scale of the numbers, but who is behind them. As recently as 2023, business-to-business transactions accounted for just 36% of stablecoin volume on the platform. By early 2026, that figure had climbed to nearly 98%. The retail speculator has been largely replaced by the corporate treasurer, the cross-border payments desk, and the settlement operations team.

As Paybis co-founder and CBDO Konstantins Vasilenko put it: “Stablecoins have moved from a crypto niche to business infrastructure.” He added that “B2B is now the overwhelming majority of volume on our platform, driven by companies that need faster cross-border settlement and treasury movement.” The sectors leading this charge — digital goods, virtual asset services, technology, retail and e-commerce, and fintech — are precisely those most exposed to the friction and cost of legacy international payment rails. For these businesses, stablecoins are not an ideological choice; they are a practical one.

The Knowledge Gap That Could Slow Everything Down

And yet, the same research that reveals this momentum also exposes a serious obstacle: most businesses still do not understand what stablecoins actually do, or how they work. Close to 60% of survey respondents reported no current plans to adopt the technology — a figure that points less to active resistance than to passive unfamiliarity. More telling still, more than half expected international stablecoin transfers to take hours or a full day to settle, when in practice settlement is typically measured in seconds or minutes. Perceptions around transaction costs were similarly inflated, with many businesses anticipating fees far above what stablecoin networks actually charge.

This is where the real work lies. The infrastructure, as Vasilenko acknowledged, is already being built: “What’s missing is plumbing. Paybis Regulated Platform gives companies one API to plug stablecoins into existing payment flows — dedicated IBANs, on/off-ramp and full crypto rails under our MiCA, PI and other licenses — so they get the adoption upside without becoming a crypto company themselves.” The technology is ready. The regulatory frameworks are maturing. What lags behind is understanding — and closing that gap may determine whether stablecoins fulfil their potential as a genuine layer of global financial infrastructure, or remain a tool only the already-converted bother to use.

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