Key Insights

• USDT processed 6.3 billions of transfers alone in 2025, with a surging share of small-value transactions (majority under $100) showing clear everyday and remittance usage.

• Despite global adoption and near-instant transfers, users still face friction when trying to or send received funds due to wallets, gas fees, network choices, and fragmented apps/

• The next frontier for USDT is closing the gap between receiving the money and using it seamlessly.

• Seamless, continuous payment experiences will determine how widely USDT moves from global money to everyday transactions.

• StablePay is built for this evolution: instant, one-tap, USDT payments on an efficient native Layer 1, the StableChain.

Stablecoins have already transformed the global money movement. Moving money takes days and multiple intermediaries on traditional rails but with Stablecoins, we can send money in seconds anywhere in the world. This results in instant settlement, borderless reach, and near-zero friction for transfers.

But there is a missing piece. Once the money arrives, the experience often breaks with delays, extra steps, gas fees and fragmented apps when they want to use those funds. This applies whether sending money home or to a friend , paying a freelancer, covering everyday bills, or spending locally. Receiving funds and actually using them feels like two disconnected worlds

There is still a gap between receiving money and being able to use it seamlessly.

For stablecoins to become true everyday money, that gap must close. The next phase isn’t just faster transfers. It’s making payments feel seamless, and usable. That is the future Stable is building with StablePay, a consumer payment app coming soon.

Global transfers were the initial step. Everyday usability is what makes it real.

Stablecoins delivered remarkable growth in 2025. Total transaction approximately 33 trillion dollars, a 72% increase YoY. USDT, the dominant stablecoin by market capitalization and real-world usage, powered a substantial share of this activity with particular strength in retail and cross-border flows.

The demand for better payment experiences is already visible:

• 6.3 billion transfers processed by USDT alone in 2025, majority of transactions under $100, indicating everyday usage.

• Average transaction cost of around $0.09

• Estimated $390 billion in annual stablecoin payment volume, more than 2× year-over-year growth

This momentum shows stablecoins moving beyond trading and large transfers. Payments, remittances and consumer use cases now drive a growing portion of volume with USDT’s availability across ecosystems, liquidity, and proven track record in emerging markets make it the preferred choice for these real-world flows. Yet despite this scale, user friction persists.

Stablecoins are not just being used for large transfers, but also for small and frequent real-world payments

Stablecoins have reached meaningful scale. But even with this adoption, the payment experience is still not seamless.

On-chain patterns reveal the same pain points:

• Managing gas due to two token friction.

• Juggling wallets

• choosing networks

• Switching apps just to use received funds.

The demand for better is obvious. People want stablecoins not just as a bridge for remittances or payouts, but as money that works effortlessly for daily life: sending to friends, paying services, or spending immediately after receiving.

If stablecoins are to work as real-world money, payments need to feel simple and immediate.

Receiving money and using it should not be separate experiences. There should be no need to move funds across platforms, manage multiple steps, or wait before being able to transact. Payment should be continuous.

Getting paid, paying someone else, and spending should all happen within the same flow, without friction or delay. This is what everyday payments look like. Not just faster transfers, but money that works the moment it is received.

Stablecoins are already being used beyond trading and transfers. Their core properties make them naturally suited for everyday payments:

• Global by Default: Send and receive money across borders without relying on traditional banking rails or dealing with geographic limitations.

• Always on: Payments work 24/7, without cut-off times, weekends, or delays tied to banking hours.

• Direct and simple: Transactions can happen peer-to-peer, reducing dependency on multiple intermediaries.

• Consistent value: A digital dollar like USDT maintains a stable value, making it easier to price, pay, and manage everyday expenses.

• Low-cost at scale: Stablecoins are already used for high-frequency, low-value transactions, making them suitable for everyday use cases.

• Programmable by design: Payments can be integrated directly into apps, platforms, and workflows, enabling new kinds of user experiences.

These characteristics make stablecoins a strong foundation for everyday payments. But for this potential to fully materialize, the experience of using them needs to match their capabilities.

Today, even simple actions like paying someone, sending money, or using funds after receiving them can involve multiple steps, switching between platforms, or dealing with wallets, gas fees, and network choices.

StablePay removes this friction. It enables instant, simple and seamless global payments.

Payments become simple and straightforward. One can send, receive, and pay USDT from a single interface. Transactions settle quickly, feel predictable, and work the same way across borders.

At its core, StablePay is designed to make stablecoins feel like everyday money:

• Instant settlement: Payments complete in seconds, without waiting or processing states.

• Cross-border by default: Payments work the same way globally, without additional steps or friction.

• Simple UX: Users don’t manage wallets, gas, or chains. The complexity stays behind the scenes.

The goal is simple. Stablecoins should feel like everyday money, not infrastructure.

The Road Ahead

Stablecoins, anchored by USDT, have laid the groundwork for a more efficient global payment system. With transaction volumes already rivaling major traditional networks and retail usage accelerating, the opportunity is clear. The next phase belongs to solutions that deliver not only speed and low costs but also delightful, frictionless everyday experiences.

StablePay brings that vision to life on Stable’s USDT-native infrastructure. It bridges global transfers with everyday reality.

StablePay is coming soon. The era of truly usable USDT payments has arrived.

Build on Stable

• Documentation: https://docs.stable.xyz

• Mainnet Hub: https://hub.stable.xyz

• Blog: https://blog.stable.xyz

• X: @Stable

• Community: https://discord.gg/stablexyz