Survey: "42% of Enterprises Already Use Stablecoins for Cross-Border Payments," Saving 47% in Costs! McKinsey and BNY Mellon Jointly Confirm B2B Boom.

Blockchain technology is penetrating the traditional business world at an astonishing rate. According to the latest survey report released by payment infrastructure company Cybrid, as many as 42% of surveyed companies have officially used stablecoins for cross-border payments, and multinational giants can slash nearly 50% of settlement costs as a result. With the implementation of the U.S. federal regulatory framework GENIUS Act and the support of Wall Street giants like BNY Mellon, B2B stablecoin payments are experiencing an unprecedented boom.
(Background: Visa, BlackRock and other hundred giants launch new stablecoin Open USD (OUSD)! Circle's stock price plunges 13%, CEO counters: USDC remains the top choice for institutions)
(Background supplement: Complete interpretation of Taiwan's cryptocurrency special law 'Virtual Asset Service Act': What does it mean for investors? Exchanges move to a licensing system, conditions for stablecoin issuers finalized)

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• Disrupting the SWIFT Network! Enterprises Slash Cross-Border Payment Costs by Nearly 50%
• Cybrid Enterprise Stablecoin Adoption Rate and Benefit Overview
• Payroll and Supplier Settlements Become the Main Battlefield, Regulatory Clarity Becomes a Bottleneck for Expansion
• McKinsey and Traditional Banking Giants Endorse Together, B2B Adoption Rate Ushers in 'Epic Surge'

The cross-border settlement network of traditional finance is being ruthlessly overtaken by stablecoins. According to Cointelegraph, payment infrastructure company Cybrid released a重磅 survey report today (30th) targeting 468 corporate executives and leaders. The shocking data shows that stablecoins have long shed the label of pure 'crypto speculative assets' and have effectively become the ultimate tool for business owners to slash cross-border wire transfer costs.

Disrupting the SWIFT Network! Enterprises Slash Cross-Border Payment Costs by Nearly 50%

This survey was conducted from April 28 to May 4, 2026, with respondents mainly from the technology, financial services, and e-commerce industries in the United States, Canada, and the United Kingdom. The survey results show that as many as 42% of surveyed companies already use stablecoins for cross-border payments in their daily operations. Even more surprising, only 2% of companies said they would still insist on sticking with traditional bank payment systems (such as SWIFT or wire transfers).

The core driving force behind companies' aggressive shift toward on-chain assets is the significant 'disintermediation cost advantage.' Data shows that companies using stablecoins for cross-border settlements can save an average of 35% on payment costs; for large multinational corporations with monthly cross-border settlement amounts exceeding $100 million, by eliminating layers of correspondent bank fees, the average savings reach as high as 47%, greatly releasing corporate net profit margins.

Cybrid Enterprise Stablecoin Adoption Rate and Benefit Overview

| Core Indicator | | --- | Survey Data / Actual Effectiveness | Industry Trends and Market Interpretation | | --- | --- | --- | | Current Enterprise Adoption Rate | 42% of surveyed companies | Have effectively integrated stablecoins into cross-border payment systems, with only 2% of companies sticking to traditional settlement systems. | | Adoption Intention in the Next Year | 88% of executives say they will adopt | Expect to 'likely' or 'very likely' enable stablecoin settlement within the next 12 months. | | Cost Savings for SMEs | Average cost savings of 35% | Bypassing traditional correspondent banking networks (SWIFT), significantly reducing fees and wire transfer losses. | | Cost Savings for Large Enterprises | Average cost savings of 47% | For multinational giants with monthly settlement amounts exceeding $100 million, the savings are even more impressive. |

Payroll and Supplier Settlements Become the Main Battlefield, Regulatory Clarity Becomes a Bottleneck for Expansion

In terms of application scenarios, the reach of enterprise stablecoin use has extended to all aspects of fund flow. Ranked by frequency of use from highest to lowest, the most common scenarios are: payroll and cross-border contractor payments, supplier payments, daily customer settlements, investment and yield generation, and treasury and liquidity management. This shows that amid the wave of cross-border remote work, stablecoins' instant settlement feature perfectly addresses the pain point of traditional payroll delays.

However, the report also highlights the last mile to full adoption. As many as 71% of respondents agreed that 'regulatory clarity' is the biggest obstacle currently hindering companies from expanding their use of stablecoins, far outweighing 'finding a trusted infrastructure provider' or 'integration with existing ERP systems.'

McKinsey and Traditional Banking Giants Endorse Together, B2B Adoption Rate Ushers in 'Epic Surge'

This optimistic survey result is also corroborated by data from multiple authoritative third-party institutions. Another payment infrastructure provider, Paybis, revealed that in the first 4 months of 2026, corporate clients accounted for nearly 98% of its platform's total stablecoin payment volume, compared to only 36% in 2023. Additionally, research by renowned management consulting firm McKinsey estimates that among the global stablecoin payment volume of $390 billion in 2025, business-to-business (B2B) transactions firmly accounted for a 60% share.

Currently, the total market capitalization of global stablecoins has reached $307.64 billion, with the leader Tether (USDT) at $184.7 billion and Circle (USDC) at $73.51 billion. With the passage of the U.S. first federal regulatory framework for payment stablecoins, the GENIUS Act, the market cap of stablecoins compliant with the act has quickly exceeded $76 billion, greatly alleviating regulatory concerns for mainstream enterprises. At the same time, traditional financial old money is also actively embracing the trend, such as Falcon Finance partnering with Anchorage Digital Bank to launch the dollar stablecoin fUSD; and Wall Street custody giant BNY Mellon has expanded its digital asset platform to fully support the storage, transfer, and minting/redeeming of USDC. With the dual boost of sound regulations and giant paving, the era of stablecoin settlements fully replacing traditional commercial wire transfers seems just around the corner.