Stablecoin Adoption Surges as Everyday Money for Purchases and Treasury

Stablecoins have become increasingly popular as everyday money for purchases and treasury management, according to Mercuryo's latest data. In the first half of 2026, stablecoins accounted for 60% of crypto purchase value through its on-ramp, up from 43% in the second half of 2025.

Arthur Firstov, chief business officer at Mercuryo, attributes this shift to a change in behavior rather than a market cycle. 'What we are seeing is a change in how people use stablecoins,' he says. 'They are increasingly being treated as digital money that can be held, moved, and used for payments.'

The rise of stablecoins has also led to the emergence of neobanks built on blockchain rails, which provide seamless and efficient cross-border payments. These banks use stablecoins as a unit of value that can move across permissionless blockchain networks.