In the rapidly evolving digital economy, stablecoins have emerged as a cornerstone of modern financial infrastructure. Unlike volatile cryptocurrencies such as Bitcoin or Ethereum, stablecoins like USDT (Tether) and USDC (USD Coin) maintain a consistent 1:1 peg to the U.S. dollar. This price stability makes them ideal for businesses, financial institutions, and individuals seeking reliable, efficient, and globally accessible payment solutions.
What Are USDT and USDC?
Stablecoins bridge the gap between traditional finance and blockchain innovation. Two of the most dominant players in this space are USDT and USDC—each offering unique advantages in terms of adoption, transparency, and network support.
- USDT (Tether): The most widely used stablecoin, with a market capitalization exceeding $140 billion. It operates across more than 16 blockchains and remains the backbone of crypto liquidity and cross-border transactions.
- USDC (USD Coin): A rapidly growing, regulated stablecoin known for its transparency and compliance. With a market cap of $35.7 billion, USDC has gained strong traction on high-performance networks like Ethereum, Solana, and Polygon.
👉 Discover how integrating stablecoin payments can transform your business operations.
Why Stablecoins Matter in Modern Finance
The rise of stablecoins is reshaping global payment systems. Their ability to move seamlessly across blockchains accelerates adoption across industries—from e-commerce to remittances and decentralized finance (DeFi).
Arthur Azizov, CEO of B2BINPAY, emphasizes their growing significance:
“Stablecoins have become the foundation of digital payments. They offer businesses and individuals an efficient, low-cost, and globally accessible alternative to traditional banking. As more companies recognize their benefits, adoption will only accelerate.”
Key Advantages of Stablecoin Payments
- Instant Settlements: Traditional bank transfers can take days; stablecoin transactions settle in seconds.
- Lower Transaction Costs: Eliminates intermediaries and high processing fees associated with credit cards or wire transfers.
- Global Reach: Enables frictionless cross-border payments without currency conversion hurdles.
- Transparency & Auditability: Built on public blockchains, all transactions are verifiable and tamper-proof.
A recent analysis highlights the expanding role of stablecoins in digital commerce:
“Stablecoins are revolutionizing online payments by offering merchants a faster, cheaper, and more secure way to accept digital transactions. Retailers integrating stablecoins gain a competitive edge in the evolving financial landscape.”
This isn’t just a trend—it’s a fundamental shift in how value moves across borders and ecosystems.
The Explosive Growth of the Stablecoin Market
As we move into 2025, stablecoin adoption is surging. USDT and USDC together account for 87% of all stablecoin transaction volume, solidifying their dominance as digital dollar equivalents.
The total market capitalization of the stablecoin sector has reached $223 billion, driven by increased issuance, on-chain activity, and institutional interest. This expansion reflects growing demand for stable, blockchain-based financial tools.
Azizov forecasts even greater growth ahead:
“The combined market cap of USDT and USDC could double or even triple, with the overall market poised for exponential expansion.”
USDC On-Chain Momentum
Recent data reveals remarkable growth in USDC usage:
- Transaction Volume Surge: Daily transactions jumped 119% year-over-year, rising from 23,450 in January 2024 to 51,545 in January 2025.
- Market Cap Growth: Increased from $24.5 billion to $35.7 billion within a single year.
- Ethereum Activity: USDC transaction volume on Ethereum grew by 92%, reaching $450 million.
- Polygon Adoption: Daily USDC transactions on Polygon surged by 110%, from 5,000 to 10,500.
- Closing the Gap with USDT: Over 8 billion new USDC tokens have been minted, narrowing the supply gap between the two leading stablecoins.
Vitaly Shtyrkin, Chief Product Officer at B2BINPAY, underscores their strategic value:
“Stablecoins eliminate the cost and uncertainty of currency fluctuations—making them especially attractive for companies with international customer bases. They simplify cross-border commerce like never before.”
Supported Blockchains for USDC
B2BINPAY supports USDC across multiple high-performance chains:
- Ethereum (USDC-ETH)
- Tron (USDC-TRX)
- Solana (USDC-SOL)
- Algorand (USDC-ALGO)
- Avalanche C-Chain (USDC-AVAX, USDCE-AVAX)
- Arbitrum One (USDC-ARB)
- Base (USDC-BASE)
- BNB Smart Chain (USDC-BSC)
- Polygon (USDC-POL, USDCE-POL)
USDT: Maintaining Market Leadership
Despite USDC’s rapid rise, USDT remains the most liquid and widely adopted stablecoin.
Key metrics:
- 30-Day Market Cap Growth: Turned positive, signaling renewed demand.
- Multi-Chain Support: Available on over 16 networks including Ethereum, Tron, Solana, and Avalanche.
- Success on TON Blockchain: Rapid adoption within the Telegram ecosystem leverages its massive user base.
Azizov also highlights the potential beyond dollar-denominated assets:
“Localized stablecoins may play an increasingly important role, potentially challenging the dollar’s dominance and diversifying the market.”
Supported Blockchains for USDT
B2BINPAY enables seamless USDT integration across:
- Ethereum (USDT-ETH)
- Tron (USDT-TRX)
- Solana (USDT-SOL)
- Algorand (USDT-ALGO)
- Avalanche C-Chain (USDT-AVAX)
- Arbitrum One (USDT-ARB)
- Optimism (USDT-OP)
- TON (USDT-TON)
👉 Learn how multi-chain stablecoin support can future-proof your payment strategy.
TON and Solana: Powerhouses of Stablecoin Adoption
While Ethereum remains a leader in stablecoin usage, networks like TON and Solana are gaining momentum due to scalability, speed, and low fees.
USDT on TON Blockchain
Telegram’s integration with TON has fueled rapid adoption:
- Fast Adoption: Driven by Telegram’s built-in wallet and 900M+ user base.
- Supply Growth: Over $1 billion in USDT supply on TON within five months.
- User Expansion: More than 1.39 million addresses now hold USDT on TON.
- Weekly Volume: Reaches $240 million—demonstrating strong real-world utility.
With access to Telegram’s vast global audience, TON is emerging as a major player in the stablecoin ecosystem.
Shtyrkin notes:
“It’s only a matter of time before stablecoin payments become mainstream in e-commerce. The future is digital—and stablecoins are leading the charge.”
USDC and USDT on Solana
Solana’s high-speed architecture makes it ideal for stablecoin transactions:
- USDC Minting: Circle issued an additional $250 million in USDC on Solana, bringing total supply to $6.75 billion.
- High Throughput: Supports up to 65,000 transactions per second (TPS)—far surpassing Ethereum’s capacity.
- Growing USDT Integration: Tether is expanding its presence on Solana, reinforcing its multi-chain strategy.
Businesses leveraging Solana benefit from near-instant settlements and ultra-low fees, making it a top choice for global payment processing.
Competitive Advantages of Stablecoin Payments
For enterprises in e-commerce, gaming, remittances, and B2B services, stablecoins offer a scalable, secure, and cost-effective alternative to traditional payment rails.
By adopting USDT and USDC, businesses can:
- Reduce transaction costs by up to 90%
- Enable instant cross-border settlements
- Avoid chargebacks and fraud common with credit cards
- Access new markets without banking infrastructure
With support across networks like TON and Solana, companies can choose the optimal blockchain for performance and cost-efficiency.
Azizov reiterates:
“Stablecoins will see a bright future in 2025—massive growth and widespread adoption will drive this asset class forward.”
Why Choose B2BINPAY for Stablecoin Integration?
B2BINPAY offers enterprise-grade solutions for businesses looking to accept USDT and USDC securely and efficiently.
Key Benefits:
- Multi-Blockchain Support: Accept payments across 16+ networks—including Ethereum, Tron, BSC, TON, and Solana.
- Low Fees: Significantly lower than traditional payment processors.
- Instant Settlements: Transactions confirmed in seconds—no waiting days for funds.
- Regulated & Secure: Fully compliant infrastructure designed for institutional use.
- Customizable Solutions: API integration, automated invoicing, and seamless checkout experiences.
Vitaly Shtyrkin explains:
“Stablecoins have become mainstream digital tools. Today, both companies and everyday users rely on them for payments, remittances, and more.”
Real-World Use Cases
Industries already benefiting from B2BINPAY-powered stablecoin payments include:
- E-commerce & Online Retail: Near-zero fee transactions with no chargeback risk.
- Crypto Exchanges & OTC Desks: Instant settlements enhance liquidity and trading efficiency.
- Gaming & iGaming Platforms: Fast deposits/withdrawals improve player experience.
- Remittances & Cross-Border Transfers: Eliminate bank delays and high fees.
- B2B Payments & Payroll: Streamline international vendor payments without intermediaries.
👉 See how real businesses are unlocking efficiency with stablecoin payments.
Frequently Asked Questions (FAQ)
Q: What are stablecoins?
A: Stablecoins are digital currencies pegged to stable assets like the U.S. dollar. They combine the benefits of cryptocurrency—such as speed and decentralization—with price stability.
Q: Are USDT and USDC safe to use?
A: Yes. Both are backed by reserves and operate on transparent blockchains. USDC is fully regulated and audited monthly, while USDT publishes regular attestation reports.
Q: How fast are stablecoin transactions?
A: Most transactions settle within seconds to minutes, depending on the blockchain used—far faster than traditional bank transfers.
Q: Can I accept multiple stablecoins on one platform?
A: Absolutely. Platforms like B2BINPAY support both USDT and USDC across numerous blockchains for maximum flexibility.
Q: Do I need technical expertise to integrate stablecoin payments?
A: Not necessarily. Many providers offer plug-and-play APIs and developer tools that make integration straightforward—even for non-technical teams.
Q: Are stablecoin transactions compliant with regulations?
A: When processed through licensed providers like B2BINPAY, stablecoin transactions adhere to AML/KYC standards and global regulatory frameworks.
The era of digital payments is here—and stablecoins are at its core. With growing adoption across TON, Solana, Ethereum, and beyond, now is the time for businesses to embrace this transformation. By integrating USDT and USDC through robust platforms like B2BINPAY, organizations can unlock global markets, reduce costs, and future-proof their financial operations.