42% of surveyed businesses already use stablecoins for cross-border payments in daily operations, according to a new report from payments infrastructure firm Cybrid. The survey covered 468 executives and business leaders, mainly from the technology, financial services, and e-commerce sectors in the United States, Canada, and the United Kingdom. The findings show stablecoins are being treated less as a crypto-native asset and more as a settlement rail for operating businesses.
Cost savings stand out, especially for firms settling more than $100 million monthly
The survey was conducted between April 28 and May 4, 2026. Cybrid said companies using stablecoins for cross-border settlement report average payment cost savings of 35%. For large multinational businesses processing more than $100 million in monthly cross-border settlements, average savings rise to 47%. Only 2% of respondents said they still rely on traditional banking rails such as SWIFT or wire transfers.
The appeal is straightforward. Stablecoins reduce dependence on layers of intermediary banks, cutting fees and lowering the friction tied to legacy international transfers. That economic case, more than market narrative, appears to be driving adoption.
Payroll, supplier payments, and customer settlements lead actual usage
Cybrid said stablecoin use now stretches across several corporate payment functions. Ranked by frequency, the most common cases are payroll and payments to international contractors, supplier payments, routine customer settlements, investment and yield generation, followed by treasury and liquidity management. The report links part of this demand to cross-border remote work, where immediate settlement can address delays seen in conventional payroll systems.
Intent to adopt is also high. According to the survey, 88% of executives said their companies are “likely” or “very likely” to implement stablecoin settlement within the next 12 months. That points to a larger pipeline beyond the businesses already using them today.
Regulatory clarity remains the biggest obstacle to wider rollout
Adoption is rising, but companies still see one issue above the rest. 71% of respondents identified regulatory clarity as the main barrier preventing broader stablecoin use. That ranked ahead of finding trusted infrastructure providers and integrating with existing ERP systems. For many businesses, the question is no longer whether the tools work. It is whether the rules are clear enough to scale them.
In that context, the passage of the U.S. federal framework for payment stablecoins, the GENIUS Act, is presented in the source material as a major development. It also notes that the market capitalization of stablecoins meeting the law’s compliance standards has already exceeded $76 billion.
Paybis, McKinsey, and BNY data point to growing B2B momentum
Figures from other firms line up with Cybrid’s report. Payments infrastructure provider Paybis said business customers accounted for nearly 98% of total stablecoin payment volume on its platform in the first four months of 2026, up from 36% in 2023. McKinsey estimated that B2B transactions made up 60% of the $390 billion in global stablecoin payment volume in 2025.
The broader market has been expanding as well. Global stablecoin market capitalization stands at $307.64 billion, including $184.7 billion for USDT and $73.51 billion for USDC. Traditional financial institutions are also adding support: Falcon Finance and Anchorage Digital Bank launched the dollar stablecoin fUSD, while BNY expanded its digital asset platform to support USDC custody, transfers, minting, and redemption. The combination of corporate demand, regulatory progress, and institutional infrastructure is pushing stablecoins deeper into B2B payments.