{"id":71483,"date":"2026-04-22T02:17:06","date_gmt":"2026-04-22T02:17:06","guid":{"rendered":"https:\/\/crowdfundjunction.com\/blog\/stablecoins-move-toward-mainstream-payments-as-binance-cites-visa-beating-volume\/"},"modified":"2026-04-22T02:17:06","modified_gmt":"2026-04-22T02:17:06","slug":"stablecoins-move-toward-mainstream-payments-as-binance-cites-visa-beating-volume","status":"publish","type":"post","link":"https:\/\/crowdfundjunction.com\/blog\/stablecoins-move-toward-mainstream-payments-as-binance-cites-visa-beating-volume\/","title":{"rendered":"Stablecoins Move Toward Mainstream Payments as Binance Cites Visa-Beating Volume"},"content":{"rendered":"<p><b>(Originally posted on : Bitcoin News )<\/b><br \/>\n<\/p>\n<div>\n<p><strong>Key Takeaways:<\/strong><\/p>\n<ul>\n<li>Binance Research said <span>stablecoins<\/span> processed $33T, exceeding Visa in raw transfer <span>volume<\/span>.<\/li>\n<li>Fireblocks data shows banks accelerating <span>stablecoin<\/span> use across FX, custody, and payments.<\/li>\n<li>Richard Teng said <span>stablecoins<\/span> cut costs and delays in cross-border payments.<\/li>\n<\/ul>\n<h2>Binance Research Shows <span>Stablecoins<\/span> Surpass Visa in Raw <span>Volume<\/span><\/h2>\n<p> <span>Stablecoins<\/span> are strengthening their role in global payments as transaction activity moves closer to mainstream financial network scale. Binance Research, the market analysis unit of <span>crypto<\/span> exchange Binance, said April 21 that <span>stablecoins<\/span> processed about $33 trillion in 2025, compared with roughly $14 trillion in Visa payments <span>volume<\/span>, highlighting how blockchain-based settlement is gaining visibility in cross-border finance.<\/p>\n<p>Binance Research stated on social media platform X that <span>stablecoin<\/span> transaction activity has moved ahead of legacy payment networks in overall scale. The post acknowledged that raw <span>volume<\/span> includes on-chain noise, while stressing that long-term growth trends offer a clearer signal of network evolution than headline figures alone. \u201cYes, the raw figure includes on-chain noise. The point is the trajectory \u2014 <span>stablecoin<\/span> rails are now operating at payments-network scale,\u201d the firm explained.<\/p>\n<p><\/p>\n<section class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto R6Vx5W_threadScrollVars scroll-mb-[calc(var(--scroll-root-safe-area-inset-bottom,0px)+var(--thread-response-height))] scroll-mt-(--header-height)\" dir=\"auto\" data-turn-id=\"8abe49b7-3e0c-47ba-88e4-7e2e3e0de3ae\" data-testid=\"conversation-turn-11\" data-scroll-anchor=\"false\" data-turn=\"user\"\/>\n<section class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto [content-visibility:auto] supports-[content-visibility:auto]:[contain-intrinsic-size:auto_100lvh] R6Vx5W_threadScrollVars scroll-mb-[calc(var(--scroll-root-safe-area-inset-bottom,0px)+var(--thread-response-height))] scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" data-turn-id=\"request-WEB:e9b62ba7-87db-4d23-9423-7c67424c07d9-12\" data-testid=\"conversation-turn-12\" data-scroll-anchor=\"false\" data-turn=\"assistant\">\n<div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:var(--thread-content-margin-xs,calc(var(--spacing)*4))] @w-sm\/main:[--thread-content-margin:var(--thread-content-margin-sm,calc(var(--spacing)*6))] @w-lg\/main:[--thread-content-margin:var(--thread-content-margin-lg,calc(var(--spacing)*16))] px-(--thread-content-margin)\">\n<div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\">\n<div class=\"flex max-w-full flex-col gap-4 grow\">\n<div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal outline-none keyboard-focused:focus-ring [.text-message+&amp;]:mt-1\" dir=\"auto\" tabindex=\"0\" data-message-author-role=\"assistant\" data-message-id=\"74fe13a3-d7f5-4362-a136-1174572facbf\" data-message-model-slug=\"gpt-5-3\" data-turn-start-message=\"true\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden\">\n<div class=\"streaming-animation markdown prose dark:prose-invert w-full wrap-break-word light markdown-new-styling\">\n<p data-start=\"0\" data-end=\"350\" data-is-last-node=\"\" data-is-only-node=\"\">After excluding MEV and internal exchange flows, Binance claimed in a follow-up X post, \u201c <span>stablecoins<\/span> still overtake Visa in 2026.\u201d The firm added that adjusted <span>volume<\/span> for <span>stablecoins<\/span> has climbed from about $0.5 trillion in 2022 to more than $7 trillion today, while Visa\u2019s figures have remained largely flat. This suggests a growing contribution from payment-like activity alongside trading-related flows. Binance noted: \u201cOrganic, payments-like <span>stablecoin<\/span> usage is doing the work now.\u201d<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<p>Fireblocks data showed rising institutional focus. About 60% of banks target cross-border payments and FX. Another 52% prioritize real-time settlement. Around 37% focus on treasury optimization. Custody and collateral use cases each sit near 30%. This reflects broader integration beyond simple transfers. Binance Research stated:<\/p>\n<blockquote>\n<p>\u201cBanks aren\u2019t exploring. They\u2019re deploying.\u201d<\/p>\n<\/blockquote>\n<p>The data indicates a transition from pilot programs to active implementation within banking operations. Cost efficiency remains a central driver. Binance Research detailed that a $10,000 cross-border transfer using <span>stablecoins<\/span> typically carries near-zero fees and settles almost instantly, compared with about $70 and 12 hours via fintech platforms, $150 and 72 hours through SWIFT, $300 and 48 hours via card networks, and roughly $350 and 24 hours using digital money transfer operators. \u201cThe gap is structural, not marginal,\u201d the firm stressed.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-808063 aligncenter\" title=\"Stablecoins Move Toward Mainstream Payments as Binance Cites Visa-Beating Volume\" src=\"https:\/\/static.news.bitcoin.com\/wp-content\/uploads\/2026\/04\/stablecoin-vs-visa-binance-chart_nwmk.jpg\" alt=\"Stablecoins Move Toward Mainstream Payments as Binance Cites Visa-Beating Volume\" width=\"1920\" height=\"1033\" srcset=\"https:\/\/static.news.bitcoin.com\/wp-content\/uploads\/2026\/04\/stablecoin-vs-visa-binance-chart_nwmk-300x161.jpg 300w, https:\/\/static.news.bitcoin.com\/wp-content\/uploads\/2026\/04\/stablecoin-vs-visa-binance-chart_nwmk-1024x551.jpg 1024w, https:\/\/static.news.bitcoin.com\/wp-content\/uploads\/2026\/04\/stablecoin-vs-visa-binance-chart_nwmk-768x413.jpg 768w, https:\/\/static.news.bitcoin.com\/wp-content\/uploads\/2026\/04\/stablecoin-vs-visa-binance-chart_nwmk-1536x826.jpg 1536w, https:\/\/static.news.bitcoin.com\/wp-content\/uploads\/2026\/04\/stablecoin-vs-visa-binance-chart_nwmk.jpg 1920w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\"\/><\/p>\n<p>However, the comparison with Visa carries an important caveat, as the two figures measure fundamentally different types of activity. Research from McKinsey estimates <span>stablecoins<\/span> moved about $35 trillion in 2025, yet only about $390 billion reflected actual payments, with the rest tied largely to trading, <span>liquidity<\/span> flows, and other blockchain-native activity. This distinction underscores that headline transaction values may overstate real-world commercial usage. Accordingly, while <span>stablecoins<\/span> surpass Visa in raw transfer value, the comparison is less definitive when narrowed to consumer and business payment activity.<\/p>\n<h2>Regulatory Momentum Supports <span>Stablecoin<\/span> Adoption<\/h2>\n<p>Binance Co-CEO Richard Teng\u2019s remarks at Hong Kong <span>Web3<\/span> Festival on April 20 further highlight the role of <span>stablecoins<\/span> in addressing cross-border payment inefficiencies. He described them as a practical answer to legacy payment friction. Teng\u2019s statements came as Hong Kong granted its first fiat-backed <span>stablecoin<\/span> issuer licenses to HSBC and Anchorpoint Financial under the city\u2019s <span>Stablecoins<\/span> Ordinance.<\/p>\n<p>He opined:<\/p>\n<blockquote>\n<p>\u201c <span>Stablecoins<\/span> represent that alternative. It\u2019s totally built on <a href=\"http:\/\/www.bitcoin.com\/get-started\/what-is-a-blockchain\/\" class=\"lar_link lar_link_outgoing\" target=\"_blank\" rel=\"noopener noreferrer\">blockchain<\/a>. If you do a transfer on <a href=\"http:\/\/www.bitcoin.com\/get-started\/what-are-stablecoins\/\" class=\"lar_link lar_link_outgoing\" target=\"_blank\" rel=\"noopener noreferrer\">stablecoin<\/a>, it\u2019s instantaneous at a fraction of the cost.\u201d<\/p>\n<\/blockquote>\n<p>The executive also argued that regulatory fragmentation remains a hurdle, even as jurisdictions\u2014including the U.S., the European Union, Japan, the UAE, and Hong Kong\u2014develop clearer rules. He pointed to compliance standardization as a necessary step toward scaling cross-border adoption. Binance Research, meanwhile, maintained that the payments case is becoming harder to dismiss as <a href=\"http:\/\/www.bitcoin.com\/get-started\/what-are-stablecoins\/\" class=\"lar_link lar_link_outgoing\" target=\"_blank\" rel=\"noopener noreferrer\">stablecoins<\/a> move from headline transaction totals toward more organic usage. Taken together, institutional adoption, regulatory progress, and growing payment utility suggest <a href=\"http:\/\/www.bitcoin.com\/get-started\/what-are-stablecoins\/\" class=\"lar_link lar_link_outgoing\" target=\"_blank\" rel=\"noopener noreferrer\">stablecoins<\/a> are gaining traction as a viable layer for global payment infrastructure.<\/p>\n<\/p><\/div>\n<p><a href=\"https:\/\/news.bitcoin.com\/stablecoins-move-toward-mainstream-payments-as-binance-cites-visa-beating-volume\/\">Source link <\/a><br \/>\n<br \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>(Originally posted on : Bitcoin News ) Key Takeaways: Binance Research said stablecoins processed $33T, exceeding Visa in raw transfer volume. Fireblocks data shows banks accelerating stablecoin use across FX, custody, and payments. Richard Teng said stablecoins cut costs and delays in cross-border payments. Binance Research Shows Stablecoins Surpass Visa in Raw Volume Stablecoins are [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":71484,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[32],"tags":[],"_links":{"self":[{"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/posts\/71483"}],"collection":[{"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/comments?post=71483"}],"version-history":[{"count":0,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/posts\/71483\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/media\/71484"}],"wp:attachment":[{"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/media?parent=71483"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/categories?post=71483"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/tags?post=71483"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}