Crypto Payments Gain Momentum as Business Adoption Surpasses Expectations

A survey by PayPal and the National Cryptocurrency Association found that 39% of US merchants accepted cryptocurrency at checkout in January 2026, with another 84% expecting crypto payments to become commonplace within five years.

Business owners often rely on outdated information about crypto, picturing price swings, complicated wallets, or a payment method mostly used for speculation. However, the reality is different:

The combined stablecoin market has grown to roughly $313 billion as of mid-2026, with stablecoins representing more than half of all crypto payment volume processed globally.

Most business crypto payments in 2026 are made using stablecoins like USDC and USDT, which are pegged to the US dollar and designed to hold that peg. These stablecoins have reduced price risk for businesses accepting them, as their value remains relatively stable.