The penetration rate of cross-border stablecoin payments is 22.5%, and Paybis accounts for 86% of transaction volume, indicating that institutional entry is happening faster than expected. Once infrastructure is further improved, the SWIFT landscape will be rewritten.

BiJie News reports that, according to Paybis, at the recent Money20/20 Europe conference, 22.5% of companies have already used stablecoins for cross-border payments or plan to adopt them within the next year. In April 2026, stablecoins accounted for 86% of Paybis’s crypto trading volume, a significant increase from 12% in July 2023. The report shows that stablecoins have seen notable growth in payment volumes across multiple industries, including digital goods, technology, retail, and fintech, becoming a core component of international business payments. Despite rising adoption rates, the report also points out that knowledge gaps still exist, with respondents having different expectations regarding settlement times and transaction fees. Paybis executives believe stablecoins have evolved from niche crypto products into essential business infrastructure, and future adoption will depend on improvements to payment infrastructure.