According to a report from Bloomberg citing data from on-chain analytics firm Artemis Crypto, the volume of stablecoins used for real-world payments in the U.S. has surged by 70% since February 2025, following the introduction of landmark regulatory legislation. By August 2025, monthly transaction volumes for stablecoins used in goods, services and transfers had exceeded $10 billion, up from about $6 billion in February. At the current growth rate, the annualized figure could reach $122 billion.
Why This Matters for Crypto Traders and Platforms
1. Regulatory clarity drives adoption
The increase followed the passage of the U.S. federal “GENIUS Act”, which provides a formal framework for payment-stablecoins. Having clear legal rules reduces risk for issuers and users alike, unlocking usage.
2. Stablecoins are becoming real-world money
More businesses (especially B2B) are using stablecoins to settle payments, bypassing traditional banking rails. The surge in usage signals that stablecoins are evolving from “crypto utilities” into currency-like instruments.
3. Platform opportunity expands
For exchanges, wallets and finance products such as Hotcoin, this means:
- Higher demand for deposits and payments in stablecoins
- More opportunities to integrate stablecoin-based services, such as staking
- A growing user base that sees utility over speculation
4. Trader implications: liquidity and strategy shift
If stablecoin flows increase, expect:
- More trading volume and liquidity offshore and on-chain
- Shift in capital flows toward assets that work with stablecoin rails
- Increased importance of exchanges that support stablecoin infrastructure
What to Watch Next
- Volume trajectory: Will monthly stablecoin payment volumes continue to accelerate beyond $10 billion?
- Integration announcements: Which major corporations or payment networks will adopt stablecoins next?
- Regulatory spill-over: Will other nations or jurisdictions emulate the U.S. framework and expand usage globally?
- Platform readiness: Exchanges like Hotcoin need to support stablecoin pairs, payment off-ramps, and disclosure of flows.
Hotcoin Perspective
For Hotcoin users and crypto traders alike, this uptick in stablecoin payments is a big deal. It means stablecoins are not just trading fodder as they’re becoming real financial infrastructure.
At Hotcoin we’re in a strong position because:
- We support stablecoin trading and payment pairs actively.
- Our Earn, staking and finance products can soak up flows from stablecoin users looking to deploy assets.
- Traders who understand the shift from “token speculation” to “stablecoin utility” can gain early advantage.
This trend underscores a structural change: crypto is moving deeper into the financial ecosystem. Exchanges and traders who adapt now will benefit the most.
Stay tuned to Hotcoin for more coverage on how this evolving stablecoin payment narrative might affect trading, liquidity and platform strategy.
Your Trades. Our Priority. Hotcoin.
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