Latin Americans are moving salaries and business payments through digital-dollar stablecoin platforms totaling $31.5 billion in annualized withdrawals in 2026, according to BeInCrypto research published in 'The Exodus Economy' report. More than 99% of stablecoin volume withdrawn from exchange-linked wallets moved again within 30 days, with an average withdrawal amount of $544. The funds being transferred include contractor pay, customer payments, export revenue, and money used to settle supplier invoices, while workers and businesses continue operating within local economies. Currency instability and inflation drive the behavior, as holding local currency can quickly reduce purchasing power in countries experiencing depreciation. The research tracks how Latin American money moves beyond domestic financial systems through USDT and USDC platforms, allowing users to receive dollar value, keep it briefly, and convert only what they need into local currencies like pesos or reais.
BeInCrypto Tracks 99% Stablecoin Movement Within 30 Days
BeInCrypto analyzed groups of wallets withdrawing stablecoins from verified exchange addresses. Every measured group moved at least 96% of its withdrawn volume within one month. Across the full dataset, the figure exceeded 99%.
The March 2026 Bitso cohort on Tron shows the pattern. Around 89% of withdrawing addresses behaved as pass-through wallets, moving at least 90% of their funds within 30 days. Another 5% fell between active users and long-term holders. Only 6% qualified as savers, meaning they left at least 90% of the withdrawn balance untouched for 90 days.
![Chart showing withdrawal behavior patterns]()
![Distribution showing 6% savers versus pass-through wallets]()
Latin Americans Use Stablecoins for Foreign Income and Local Expenses
Many Latin American workers and businesses now earn money from foreign employers or customers while their expenses remain local. Stablecoins such as USDT and USDC allow them to receive dollar value, keep it briefly, and convert only what they need into pesos or reais.
A freelancer can receive pay from a US company or collect revenue from an overseas customer. A business can use the same balance to pay a foreign supplier. Currency pressure shapes this behavior. Holding local currency can quickly reduce purchasing power in countries experiencing high inflation or depreciation. Digital dollars allow users to delay conversion and keep part of their income linked to the US dollar.
The motivation differs across the region. In Argentina, dollar access can protect income from currency instability. In Brazil, it provides access to global spending and investments. In Mexico, digital-dollar rails operate alongside one of the world's largest remittance markets.
![Economic metrics chart]()
Dollar Half-Life Metric Increases from 4.7 to 10.9 Days
BeInCrypto's Dollar Half-Life measures how long it takes for half of a withdrawn stablecoin balance to move again. It increased from 4.7 days in March 2025 to 10.9 days in March 2026.
The blockchain data measure wallet movements. They cannot identify every transfer as a salary or reveal its final destination without additional wallet attribution. The findings show that tracked digital dollars move quickly and increasingly support everyday cross-border financial activity.
![Dollar Half-Life temporal change chart]()
FAQ
What did BeInCrypto's research find about Latin American stablecoin withdrawals?
BeInCrypto's research found that more than 99% of stablecoin volume withdrawn from exchange-linked wallets moved again within 30 days, with an average withdrawal amount of $544 and annualized withdrawals reaching $31.5 billion in 2026.
Why are Latin Americans using stablecoins for salary payments?
Latin Americans use stablecoins because many earn money from foreign employers or customers while their expenses remain local. Stablecoins allow them to receive dollar value, keep it briefly, and convert only what they need into local currencies, protecting against currency instability and inflation that can quickly reduce purchasing power.
How did the Dollar Half-Life metric change between March 2025 and March 2026?
BeInCrypto's Dollar Half-Life metric, which measures how long it takes for half of a withdrawn stablecoin balance to move again, increased from 4.7 days in March 2025 to 10.9 days in March 2026.
