Stablecoin payments are taking center stage in 2025, as Deloitte’s latest report, 2025 – The Year of Payment Stablecoins, outlines a rapidly evolving landscape for blockchain-based financial infrastructure. As regulatory clarity improves and adoption grows, stablecoins are positioned not as speculative assets, but as foundational tools for payment systems in the U.S. and beyond.
Regulatory guidelines are coming
2025 appears to be the year the U.S. embraces formal guidelines for stablecoin usage. For the first time, the regulatory tide seems to support innovation while ensuring safety and compliance.
MiCa – Europe has guidelines
Europe has already set the pace with MiCa (Markets in Crypto-Assets), which provides a comprehensive legal framework for stablecoin issuers, including reserve requirements and supervision protocols. This has set a benchmark for global discussions, and determining what is a valid for stablecoin payments, and what is not.
US GENIUS Act (U.S. Senate)
The US GENIUS Act, introduced in the U.S. Senate, introduces a dual regulatory model for stablecoin issuers—federal or state registration based on market cap. With clear requirements on reserve backing, AML compliance, and routine audits, this act could give companies like Circle (maker of USDC) the clarity needed to scale operations securely.
STABLE Act (U.S. House of Representatives)
The STABLE Act, introduced in the U.S. House of Representatives, takes a more restrictive stance. It prohibits interest payments to users and emphasizes full reserve transparency. It aims to prevent stablecoins from being treated as securities but may limit innovation around interest-bearing products.
Summary – everything in common
Despite their differences, these frameworks share key principles: consumer protection, 1:1 backing of reserves, regulatory oversight, and mainstream legitimacy. They position stablecoins as viable instruments for exchange of value and routine payments. This is necessary to making stablecoin payments a reality in the US.
Why we are excited for 2025 Stablecoin Payment Adoption
Web3 Enabler has been focused on corporate stablecoin payments since inception. While we are technologically cryptocurrency friendly, we think that Stablecoins make the most sense for GAAP compliant organizations.
Circle Alliance Partners are excited
We are a Circle Alliance Partner and USDC Grant recipient. We are excited to see Circle Wallets (FKA Programmable Wallets) make it easy to send/receive stablecoins. The gas station capability lets us remove gas from the equation.
Ripple
As the authors of XRP for Salesforce and the co-sponsors of Blockchain Blazers NYC Happy Hour with Ripple, we are excited to see regulatory support for the RLUSD based world Ripple is creating.
Other Stablecoins
The ability to create stablecoins for special purposes makes sense. This includes USDT—Tether’s internationally popular stablecoin—alongside PayPal Coin and other enterprise or industry-specific assets. From PayPal Coin to other enterprise or industry-specific assets, we see potential in extending programmable money into tailored use cases. This includes verticals like logistics, loyalty programs, and international payroll—areas we’ve explored in past blog posts and product demos.
What this means
These new regulatory frameworks open the door for stablecoins to be used as trusted, compliant payment instruments. They confirm what many in the Web3 enterprise space have long believed: stablecoins aren’t securities, they’re tools. With legal clarity and infrastructure support, banks and enterprises can begin to integrate stablecoins into their payment systems, unlocking faster transactions, reduced fees, and global interoperability.
Stablecoins and Interest Bearing
Options are emerging to retain the yield-bearing potential of digital dollars:
- Regulated Money Market Funds can be tokenized, letting users swap stablecoins into yield-generating assets.
- Centralized, insured wallets could allow staking with lock-up periods, offering returns in a compliant way.
Adoption in 2025
We expect to see even more adoption throughout 2025. The industry saw 3x adoption in 2024, and with the regulatory and infrastructure foundations now in place, we anticipate similar momentum this year.
Peer to Peer
We’ve seen great interest in peer-to-peer payment apps—Venmo, CashApp, and others have normalized sending money with a tap. As stablecoin wallets become easier to use and transaction fees drop, stablecoins could replace these legacy systems with faster, more affordable rails.
Small Business
Tightening margins and rising tariffs are putting pressure on small businesses to reduce costs and restore profitability. Credit card fees—often 2–3% per transaction—will be an obvious place to cut. Stablecoins offer a compelling alternative with lower fees and faster access to cash. This will be the obvious drive of stablecoin growth in business transaction volume.
Corporate Usage
Large B2B payments are still dominated by slow, expensive wire transfers. For multinational corporations, international wires can be particularly cumbersome and costly. Stablecoins allow enterprises to move capital between subsidiaries in seconds—across borders and time zones—while maintaining control and transparency.
Conclusion
Deloitte says 2025 is the year stablecoins transition from speculative tools to payment infrastructure. With regulation aligning globally and adoption expanding across sectors, stablecoin payments are on track to become a standard fixture in the financial system.
