The report, based on a survey of 295 financial executives, reveals that 90% of firms are actively implementing stablecoins, with nearly half of all transactions on Fireblocks’ platform involving the asset class in 2024. Banks and payment providers now process over 35 million stablecoin transactions monthly, underscoring their integration into mainstream finance. Cross-border payments dominate use cases, particularly for B2B flows in emerging markets, as traditional rails struggle with delays and high costs.

Source: Fireblocks’ Survey “State of Stablecoins 2025.”

Speed and liquidity outrank cost savings as primary motivations, with 48% of respondents citing faster settlement as the top benefit. Revenue growth—not efficiency—drives adoption, as institutions leverage stablecoins to reclaim market share and access new corridors. Regulatory concerns have plummeted, with fewer than 20% of firms citing compliance as a barrier, down from 80% in 2023, amid clearer policies and improved anti-money laundering tools.

The Fireblocks’ analysis says regional adoption varies sharply. Latin America leads with 71% of firms using stablecoins for cross-border payments, while Asia focuses on market expansion. North America, though lagging at 39% adoption, sees 88% of firms viewing upcoming regulations favorably. Europe prioritizes security, with 37% demanding safer rails despite its mature regulatory framework under MiCA.

Infrastructure readiness is critical: 86% of firms report technical preparedness, but scalability demands enterprise-grade solutions, Fireblocks researchers note. Security remains a hurdle, with 36% calling for better protections to support growth. Fireblocks highlights partnerships like Zeebu, which processed $5.7 billion in telecom settlements using stablecoins, as proof of scalability.

The report concludes that stablecoins are no longer optional for financial institutions. Competitive pressure and maturing use cases—from instant settlement to programmable finance—make adoption a strategic imperative. Firms investing in compliant, secure infrastructure now are poised to lead the next phase of digital finance.

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