Cafés, fast-food chains like Starbucks and Sheetz, as well as retailers like Microsoft and Home Depot, are enabling cryptocurrency payments through apps and third-party payment platforms.
An increasing number of platforms are beginning to support large-scale travel and airline bookings with Bitcoin, Ethereum, and XRP.
Luxury brands, high-end car dealerships, and real estate developers are integrating cryptocurrency payments for high-end goods and property transactions.
Payment processors are making it easier for small and medium-sized enterprises to accept cryptocurrencies by instantly converting them to fiat currency and reducing compliance costs.
Cryptocurrency is no longer a fringe concept in the financial sector. By 2025, more and more businesses are adopting digital assets, especially Bitcoin, Ethereum, and XRP—both as a payment method and as a strategic asset.
Why choose these three cryptocurrencies? They have high brand recognition, good liquidity, and each has its advantages: Bitcoin as a store of value, Ethereum with its smart contract ecosystem, and XRP known for fast settlements and cross-border payments. Together, they meet businesses' needs for trust, functionality, and speed.
This article will explore the application scenarios of Bitcoin, Ethereum, and XRP, from everyday consumption to large-scale airline integration.
For many cryptocurrency holders, the most practical test is whether they can use Bitcoin, Ethereum, or XRP like cash to buy coffee, sandwiches, or groceries. XRP lags slightly behind Bitcoin and Ethereum in everyday consumption: fewer small shops accept XRP directly, and its advantages are usually seen in backend or cross-border payments rather than at café POS terminals.
By 2025, buying coffee with cryptocurrency will no longer be a fantasy. Many chain and independent cafés have incorporated cryptocurrency into their daily operations. For example, at Starbucks, users can purchase drinks using Ethereum or Bitcoin through Bitrefill gift cards.
Apps like Flexa's SPEDN wallet and rechargeable digital gift cards make it more convenient to buy coffee with cryptocurrency.
Convenience stores have also joined in. Sheetz accepts Bitcoin, Ethereum, and other cryptocurrencies at checkout. If you prefer XRP, you can find small restaurants that support cryptocurrency payments through platforms like Cryptwerk.
Some McDonald's locations in areas where cryptocurrency is active accept Bitcoin through payment apps, allowing users to pay for fast food with cryptocurrency.
In Europe and the United States, major fast-food chains like Subway and Burger King continue to accept cryptocurrency payments through third-party gift card services or payment processors. Although not all locations are directly integrated, consumers can easily spend Bitcoin.
Steak ‘n Shake fully launched Bitcoin payments in May 2025, attracting tech-savvy consumers and increasing sales by 11%. Chipotle and Baskin-Robbins have also integrated with BitPay, supporting purchases of burritos or ice cream with Ethereum, Bitcoin, or XRP.
AT&T allows users to pay their bills with Ethereum or Bitcoin, avoiding late fees. Many online and some physical retailers accept XRP through gateways like CoinGate.
Large tech companies are also actively supporting this: Microsoft accepts Bitcoin directly or through processors, Newegg supports Ethereum for online shopping, and Overstock also supports XRP. AMC theaters accept Bitcoin and other cryptocurrencies for purchasing Xbox content and movie tickets.
Additionally, e-commerce platforms like Shopify provide cryptocurrency checkout options for millions of small and medium-sized enterprises, promoting the adoption of digital currencies.
Chain retailers like Home Depot, Lowe’s, and IKEA accept cryptocurrency through Bitrefill and BitPay gift cards, allowing you to pay for home renovations with Ethereum.
As cryptocurrency payments mature, many travel services and airlines support bookings with Bitcoin, Ethereum, and some XRP directly or through intermediaries. Flight and hotel booking platforms like Travala.com allow travelers to book using Bitcoin, Ethereum, and various cryptocurrencies.
In the future, Emirates passengers will be able to purchase first-class tickets with cryptocurrency without the need for currency conversion. Emirates Luxury Airlines plans to collaborate with Crypto.com to accept cryptocurrency payments. In Europe, AirBaltic has been accepting cryptocurrency since 2014 and has processed thousands of related transactions.
High-end brands and luxury car dealerships are also joining the cryptocurrency payment movement. For example, Post Oak Motor Cars in the U.S. accepts Bitcoin for luxury car purchases through BitPay, while the BitCars platform in Europe focuses on cryptocurrency transactions for high-end and classic models.
Luxury brands are also following suit: Gucci and Ralph Lauren are expanding cryptocurrency payments in some flagship stores, especially for high-end collections. Notably, Alternative Airlines is a typical case, supporting over 600 airlines worldwide and accepting more than 100 cryptocurrencies, including XRP.
As the application of cryptocurrency expands to payment infrastructure, institutional scenarios, remittances, and financial management, the different advantages of Bitcoin, Ethereum, and XRP become increasingly apparent.
XRP is often used in this field, with its consensus ledger and Ripple infrastructure designed for lower-cost and faster cross-border transfers. Companies like Mercury FX and Cuallix have adopted or are trialing XRP for related business.
To reduce volatility risks, businesses are increasingly accepting cryptocurrencies through platforms like PayPal, BitPay, and NOWPayments. PayPal, in particular, supports merchants receiving payments in over 100 cryptocurrencies, including Bitcoin, Ethereum, and XRP.
Companies like BitMine, SharpLink Gaming, and VivoPower are incorporating cryptocurrency into their financial portfolios for strategic purposes, to combat inflation, or to further engage in the cryptocurrency market.
More user-friendly technology and a more complete financial ecosystem are key.
Payment processors like BitPay, Coinbase Commerce, and CoinGate allow small and medium-sized enterprises to integrate cryptocurrency payments with minimal technical barriers. These payment processors can instantly convert cryptocurrencies into fiat currency, eliminating the risk of price volatility.
Automated tax systems and more open regulatory policies help alleviate the financial and legal burdens on small and medium-sized enterprises.
Businesses will be more confident in accepting a wider variety of cryptocurrencies.
Related: New Advanced X Account Takeover Attacks Targeting the Cryptocurrency Community
This article does not contain investment advice or recommendations. Any investment and trading activities involve risks, and readers should conduct their own research before making decisions.
Original article: “From Cafés to Airlines: Which Businesses Will Accept Bitcoin (BTC), Ethereum (ETH), and XRP in 2025”
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