Stablecoins are the go-to payment method for businesses, and the numbers are starting to show it. With EURC showing gigantic growth and new players like USD1 gaining traction, is the category evolving faster than expected?
B2B is where stable payments are evolving fastest
As regulations improved last year, stablecoin usage increased. This is especially true for B2B transactions, where traditional payments are slow, expensive and operationally burdensome.
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Recent data has shown that B2B stablecoin payments are growing much faster than other use cases, far outpacing card spend, P2P transfers and B2C payments.
The appeal is that stablecoins simplify cross-border and multi-currency settlements while cutting out middlemen. They also reduce settlement times from days to minutes.
As consumer use cases continue to grow steadily, B2B payments are the area where stablecoins are clearly gaining ground.
The numbers are piling up!
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In recent days, it has become clear that the stablecoin category is actively evolving.
The latest in this category is that the market capitalization of Circle’s euro-backed EURC jumped approximately 300% year-over-year (YoY), reaching almost $400 million in January 2026.
There is a huge advancement in the European market with improved legalities driving growth.
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On the other hand, dollar-based stablecoins dominate in volume. USDC usage on Ethereum is at an all-time high, with quarterly transfer volumes up nearly 400% year-over-year, surpassing $4.5 trillion in Q4 2025.
Since then, real-world use cases for payments and settlements have increased significantly.
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New entrants are also evolving quickly. USD1, issued by Trump-backed World Liberty Financial (WLFi), is already approaching the top tier of stablecoins in terms of market capitalization.
The coin is expected to soon be in the top 3 in terms of market capitalization, at the current rate.
Final Thoughts
- B2B payments are the fastest growing use case for stablecoin.
- With EURC up 300% year over year and USDC moving $4.5 billion in a quarter, stablecoins are growing.
