On the path of innovation, major names like Apple, Google, X, Airbnb, and Uber are quietly approaching stablecoin, with the potential to change the face of the global payment system. With the support of the US president and strong growth momentum, Stablecoin is dominating B2B transactions, excelling in speed, low costs, and USD stability. B2B payments via stablecoin have reached 36 billion USD out of a total of 94 billion USD, surpassing both peer-to-peer payments and card-linked transactions.
Large tech corporations are discussing with cryptocurrency companies to integrate Stablecoin – USD-valued Tokens – to reduce card fees, optimize cross-border transactions, and protect future reserve funds. Stripe, Worldpay are becoming the focal point supporting the backstage layer of stablecoin. Airbnb is collaborating with Worldpay for testing, X is considering integrating stablecoin into X Money, and Google Cloud is accepting stable payments via PayPal's PYUSD for some customers.
What drives these giants to choose Stablecoin at this moment? Policy shifts in the US during Trump's era and mature blockchain infrastructure have enabled practical business applications. Stripe's acquisition of Bridge startup further ignites this wave. Stablecoin provides flexible fund management, allowing businesses to optimize liquidation and processing speed, especially in cross-border transactions with on-chain settlement.
Meta is also not left out, actively researching stablecoin benefits for international payments to reduce fees for Instagram content creators. Uber's CEO confirms the company is exploring stablecoin payment solutions in its future strategy. A series of major names are turning to stablecoin as a cost-saving solution and enhancing global cash flow performance.
However, the biggest barrier remains trust. Tether's non-transparent audit history and USDC's ownership changes make business leaders cautious, selecting stablecoin issuers with sufficient credibility for large-scale transactions. Compliance and transparency continue to be key factors hindering mass application.
For traditional card networks like Visa and Mastercard, the existing threat is becoming increasingly clear. Stablecoin could eliminate the need for intermediary card systems, especially in cross-border or large-scale transactions. If stablecoin payments become the mainstream trend, these giants risk losing billions of dollars in processing fees annually, eroding their long-standing position.
With a market capitalization recently setting a new peak at 250 billion USD, experts expect stablecoin could reach 2,000 billion USD by 2028 if the GENIUS Act – a transparent legal framework for stablecoin – is passed in the US. The global financial digitization race is transforming with Stablecoin, opening a new era for B2B payments and corporate treasury strategies.
