Paybis: stablecoins now dominate business payments, led by B2B
Paybis says stablecoins are moving from a crypto niche to business infrastructure. In its Money20/20 Europe report, stablecoins accounted for 86% of Paybis crypto volume in April 2026, up from 12% in July 2023.
Key trading-relevant metrics: B2B customers drove 97.8% of stablecoin volume from January to April 2026 (96.9% in 2025). Total stablecoin volume hit $2.81B in May 2026, and rose 135% year-on-year for Jan–Apr. Demand growth is tied to cross-border payments and treasury movement, with “digital goods” leading (21.4% of B2B stablecoin volume since April 2024), followed by “virtual assets business” (15.8%) and technology (15.1%).
Paybis also found adoption friction. Survey responses were split on settlement speed (53% expected instant; 47% expected 1 hour to 1 day) and on fees (about 33.3% expected near 3%; 32% chose ~0.01%). Paybis argues these misconceptions could slow stablecoin payments uptake, even though stablecoin payment costs are often below 1%.
The platform says it serves 7 million users and offers an API for stablecoin payment plumbing, including dedicated IBANs plus on-ramp and off-ramp. This report aligns with broader ecosystem moves such as Mastercard expanding stablecoin settlement support across regulated dollar-backed tokens (USDC, RLUSD, PYUSD).
Bullish
This is bullish for the stablecoin complex and for crypto markets tied to payments, because the data points to accelerating real-world usage (86% of Paybis volume; 97.8% B2B; $2.81B May volume; +135% YoY for Jan–Apr). Higher real settlement demand typically supports sustained demand for dollar-linked liquidity and can reduce reliance on pure retail speculation.
In the short term, traders may react positively to the “stablecoins as rails” narrative, especially if it coincides with broader exchange/settlement integrations (e.g., Mastercard’s support for USDC/RLUSD/PYUSD). In the long term, the main risk is execution friction: the survey shows uncertainty about speed and fees, and that can slow onboarding. Still, the concentration in use-cases with fast cross-border settlement (digital goods, virtual assets business, tech) suggests durable structural demand.
Historically, when credible payment operators report rising stablecoin settlement shares (similar to prior waves of exchange/issuer partnerships and faster settlement rollouts), markets often see near-term sentiment uplift and improved liquidity conditions, which can stabilize volatility. However, because the article is more about adoption/rails than about a specific token price catalyst, the effect is likely stronger for stablecoin liquidity and second-order beneficiaries (payment infrastructure tokens) than for uncorrelated alt price moves.