The Genius Act, passed by the United States on July 18, requires stablecoin issuers to fully back their tokens with highly liquid assets, including Treasury bills. This ensures that each token maintains a 1:1 peg to the dollar. Following the legislation, blockchain analytics firm Artemis reported that monthly stablecoin payments reached $10 billion in August 2025, up from $6 billion in February and more than double the $4.8 billion recorded in August 2024.
Stablecoin payments increase in August
The August increase indicates strong post-Genius Act momentum, especially among institutional and corporate users. At the current growth rate, annualized stablecoin payments could reach $122 billion, underscoring the growing relevance of digital tokens in financial transactions.
“The supply of stablecoins was already on an upward trend, but the Genius Act accelerated adoption among companies and institutions,” said Andrew Van Aken, data scientist at Artemis.
B2B transfers lead market growth
Business-to-business (B2B) transactions now account for $6.4 billion per month, nearly two-thirds of all stablecoin activity, an increase of 113% since February 2025. Peer-to-peer consumer payments remain stable at $1.6 billion per month, showing that corporate adoption is the main driver of growth.
Large businesses prefer stablecoins for high-value transfers averaging $250,000, avoiding traditional banking delays that often involve multiple intermediary banks. “Businesses are using stablecoins to move capital instantly, reduce transaction risk, and improve operational efficiency,” Van Aken explained.
Banks turn to stablecoins for international transfers
Financial institutions are increasingly integrating stablecoins to accelerate cross-border payments. US payments network Zelle announced plans to use stablecoins for international transactions, aiming to reduce settlement times from days to minutes.
By reducing reliance on multiple correspondent banks, stablecoins allow institutions to move large corporate payments more efficiently and securely, addressing long-standing delays in global banking systems. Analysts say such adoption could reshape cross-border corporate finance over the next year.
High-value payments shift to digital tokens
Corporate treasuries are adopting stablecoins for liquidity management and operational transparency. With monthly B2B payments exceeding $6.4 billion, businesses are leveraging stablecoins to minimize settlement risk and improve cash flow management.
“Stablecoins offer speed and reliability for large transfers,” Van Aken said. “As regulatory clarity and adoption expands, companies are likely to integrate digital tokens into core treasury operations.”
Although stablecoin payments still represent a small fraction of global financial flows, the rapid growth demonstrates potential for widespread adoption, particularly in corporate and institutional finance.
Stablecoins Gain Ground in Corporate and Cross-Border Payments
Stablecoins are increasingly used for high-value corporate and international transactions. The Genius Act, passed on July 18, requires tokens to be fully backed by liquid assets such as Treasury bills, giving businesses and banks confidence in their stability.
Corporate treasuries are now processing payments averaging $250,000 with stablecoins, bypassing slow correspondent banking systems. Business-to-business transactions account for $6.4 billion per month, while peer-to-peer consumer payments remain at $1.6 billion, showing that corporate usage is the main driver of growth.
Banks are adopting stablecoins to speed up cross-border payments, reduce settlement times from days to minutes, and reduce operational costs. These trends indicate that digital tokens are becoming a practical tool for liquidity management and high-value transactions, not just a niche digital asset.
Key data points:
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Total stablecoin payments in August 2025: 10 billion dollars
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Payments in February 2025: 6 billion dollars
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Payments in August 2024: 4.8 billion dollars
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B2B Monthly Payments: 6.4 billion dollars
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Monthly peer-to-peer payments: 1.6 billion dollars
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Average corporate transfer: $250,000
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Annualized Potential Volume: 122 billion dollars
Also read: Polygon Rio Hardfork Launched for Stablecoin Transactions