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Stablecoin market capitalization held around $302.9 billion during the 2026 crypto downturn, while actual payment volume surged 45% year over year to $482 billion.
According to Allium data, third-quarter payment volume reached a record $72 billion, with business payments accounting for 64% of the total. Usage of stablecoin payment cards for small purchases under $50 increased 10-fold, driving deeper adoption in the real economy. Experts said regulators’ bans on interest payments, including under the U.S. GENIUS Act and EU rules, remain a bottleneck limiting overall supply growth despite broader payment utility. JPMorgan analyzed that market expansion through 2028 would be constrained without yield incentives tied to RWA-linked interest income.