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Stablecoins may be moving from crypto trading rails into corporate payment infrastructure faster than expected.
A new Cybrid report found that 88% of surveyed businesses are likely or very likely to use stablecoins within the next 12 months. The report, named The State of International Stablecoin Transactions in 2026, focuses on how companies are using stablecoins to cut cross-border payment costs, speed up settlement, and prepare for broader adoption.
The survey was based on 468 executives and business leaders from the United States, Canada, and the United Kingdom, with respondents spanning technology, financial services, and e-commerce. The group conducted it between April 28 and May 4.
As far as stablecoin use, the gathered data points toward international payments as the most common, with 42% of surveyed businesses using stablecoins for cross-border payments. Only 2% reported using traditional payment processes.
Cost appears to be one of the biggest reasons. Businesses already using stablecoins reported average cross-border payment savings of 35%. For companies processing more than $100 million in monthly payment volume, reported savings rose as high as 47%.
It’s hard to argue with the results. Traditional cross-border payments are slow, expensive, and dependent on intermediaries. Stablecoins give companies a way to move value internationally without relying on banking hours, settlement windows, or high transfer fees.
The report also suggests stablecoins are spreading into other business operations. Payroll and contractor payments were the next most common use case, followed by:
Essentially, businesses are experimenting with stablecoins in more ways than one, testing their use in recurring payments, vendor relationships, and other business workflows alongside international payments.
Such information comes while stablecoin market capitalization sits around $307 billion, according to CoinGecko, led by Tether’s USDT at around $184.5 billion and Circle’s USDC at around $73.3 billion.
One can’t ignore that market size, which provides payment companies, banks, and fintech firms more reason to treat stablecoins as future infrastructure than a niche option. Should businesses continue to move from experiments to regular stablecoin use, stablecoin providers will become far more important to finance workflows than traditional ones.
However, Cybrid’s survey also shows that adoption depends most on regulation. About 71% of respondents said regulatory clarity would increase their confidence in stablecoin use, ranking it above utilizing trusted infrastructure providers or easier integration with existing systems.
This concern becomes only more important as stablecoins move closer to banks, payment companies, and enterprise treasury teams. For example, the US signed the GENIUS Act into law on July 18, 2025, creating a federal framework for payment stablecoins, specifically.
All this to say, Cybrid’s report proves stablecoin use is more than mere speculation. Businesses appear to be preparing for a world where stablecoins are a common payment option alongside bank transfers, cards, and other legacy systems.
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