Stablecoins Surpass 50% of Crypto Purchases as Digital Economy Integration Deepens

Stablecoins are increasingly becoming a core payments and settlement layer in the digital economy. According to Mercuryo, a global payments infrastructure platform, stablecoin usage has grown significantly in the first half of 2026 compared to the second half of 2025.

Mercuryo's data analysis shows that stablecoins accounted for 60% of total crypto purchase value on its on-ramp infrastructure in the first half of 2026. This is a significant increase from 43% during the same period last year. The growth in use cases for stablecoins is being driven by neobanks integrating stablecoin rails for international transfers and multi-currency account services.

Businesses are also using stablecoins to rebalance treasury positions across jurisdictions, move working capital between subsidiaries, and settle supplier invoices in real-time. Many of these workflows involve transferring funds directly in stablecoins such as USDC, enabling around-the-clock settlement seven days a week.