Stripe, the global payments giant, is actively exploring the integration of stablecoins into its core services through partnerships with traditional banks. John Collison, Co-founder and President of Stripe, revealed that the company is in early discussions with financial institutions to leverage stablecoins for faster, more efficient cross-border payments. This move underscores the growing role of digital tokens in reshaping global payment systems.
Stripe’s Push into Stablecoin Payments
Stripe recently made waves by launching stablecoin accounts in 101 countries . This step enables businesses to send, receive, and hold stablecoins like Circle’s USDC and Bridge’s USDB. The company also acquired Bridge, a stablecoin tech startup, for $1.1 billion. This further solidifies its commitment to this emerging payment method.
Collison emphasized that stablecoins address key pain points in traditional financial systems, such as costly foreign exchange (FX) fees and multi-day processing times. He stated:
“A lot of our company’s future payment volume will be in stablecoins, pointing to costly FX fees and multi-day processing times as pain points that stablecoins could address.”
Stripe aims to disrupt traditional money remittance technologies, which are often slow and expensive. By leveraging stablecoins, the company hopes to reduce FX fees and provide faster, more efficient payment options. This will benefit businesses and consumers alike.
At Stripe Tour London, the company’s annual UK conference attended by 1,700 founders and business leaders, the firm outlined its vision for stablecoins as a critical future component of commerce. This event followed the recent announcement of over 60 product updates unveiled at Sessions in San Francisco.
Among those updates were enhanced money management tools powered by stablecoins. There was also a collaboration with Visa to create the first global card issuing product. This card will allow users to spend stablecoin balances as easily as traditional currency.
Banks Show Growing Interest in Stablecoins
Collison noted that banks are highly interested in integrating stablecoins into their product offerings. He dismissed skepticism about digital tokens as a passing trend.
“Regulated bank-issued stablecoins offer faster, more efficient, and globally accessible payment options…With proper regulation, banks will become central players in digital assets, driving innovation while ensuring consumer protection.”
– Julia Demidova , head of digital currencies product and strategy at FIS
Major bank technology providers like Fidelity National Information Services Inc. (FIS), Fiserv Inc., and Jack Henry & Associates Inc. are also exploring how to help their customers adopt stablecoin technology. Last year, Visa Inc. launched a platform to assist banks in issuing stablecoins globally. This further highlights the financial industry’s interest in this space.
Stablecoin Payment Volumes Surge
The adoption of stablecoins for payments has skyrocketed in recent years. A survey by Artemis revealed that stablecoin payment volumes reached $94.3 billion in 2025, driven primarily by Business-to-Business (B2B) transfers. Key findings from the report include:
- B2B Transactions: Accounted for an annual run rate of $36B, with monthly volumes growing from under $100M at the start of 2023 to over $3B by early 2025.
- Peer-to-Peer (P2P) Payments: Reached an annual run rate of $18B, with steady growth in usage.
- Card-Linked Stablecoin Payments: Achieved an annual volume of $13.2B, reflecting rising adoption of stablecoin-linked card programs.
- B2C Payments and Prefunding: Recorded annual volumes of $3.3B and $2.5B, respectively.
The report also highlighted that approximately 10 million blockchain addresses make stablecoin transactions daily, with over 150 million addresses holding a nonzero stablecoin balance. Tether’s USDT remains the most-used stablecoin by volume. It commands around 90% market share, followed by Circle’s USDC, which holds a 30% share of monthly B2B volumes.
According to the Bank for International Settlements (BIS), around $400 billion in annual cross-border flows are settled using USDC and USDT. This underscores the critical role stablecoins play in global commerce.
Final Thoughts
Stripe’s exploration of stablecoin payments in partnership with banks marks a pivotal moment in the evolution of digital finance. By addressing inefficiencies in traditional payment systems, stablecoins have the potential to revolutionize cross-border transactions and enhance financial inclusion.
As John Collison envisions, stablecoins could soon account for a significant portion of global payment volumes. They would eat away at the high costs and delays associated with traditional methods. With increasing support from banks and fintech providers, the future of stablecoin payments looks promising.
