eurc

Stablecoins are no longer just a tool for crypto traders. They are rapidly becoming a preferred payment rail for businesses worldwide—and recent data is making this shift impossible to ignore. With the explosive growth of euro-backed EURC and the emergence of new players like USD1, the stablecoin sector appears to be accelerating faster than many analysts expected.
What’s happening is not retail hype. It’s infrastructure adoption.
B2B Payments: The Breakout Use Case for Stablecoins
Over the past year, regulatory clarity in multiple jurisdictions has created a more favorable environment for compliant stablecoin usage. This has unlocked a powerful use case: business-to-business (B2B) payments, where traditional banking rails often struggle with speed, cost, and operational complexity.
New data shows that stablecoin settlement volume in B2B transactions is growing significantly faster than other use cases such as card-linked spending, peer-to-peer transfers, or consumer payments.
The reason is simple.
Stablecoins dramatically simplify:
Cross-border transactions
Multi-currency settlements
Treasury operations for global companies
Supplier and contractor payments across regions
More importantly, they remove multiple intermediaries from the payment chain. What traditionally takes 2–5 banking days can now settle in minutes, with full transparency and lower fees.
While consumer-focused applications continue to grow steadily, it is B2B adoption that is emerging as the true engine behind stablecoin expansion.
The Numbers That Confirm the Trend
Recent metrics clearly demonstrate how fast this sector is scaling.
EURC, Circle’s euro-backed stablecoin, has become one of the most notable growth stories. Its market capitalization has increased by over 300% year-over-year, approaching $400 million as of January 2026. This growth is largely driven by expansion into European markets, where regulatory frameworks are increasingly supportive of compliant digital asset usage.
At the same time, USD-denominated stablecoins continue to dominate in transaction volume.
USDC on Ethereum has reached its highest usage level in history. Quarterly transfer volume surged nearly 400% year-over-year, surpassing $4.5 trillion in Q4 2025. Importantly, a growing portion of this activity is now linked to real-world payment and settlement use cases, rather than speculative trading.
New entrants are also moving quickly.
USD1, issued by World Liberty Financial (WLFi), has rapidly climbed the rankings by market capitalization. With its current growth trajectory, analysts expect USD1 could soon enter the top three stablecoins globally.
This signals a market that is expanding both in scale and diversity.
Why Businesses Are Choosing Stablecoins
Companies are not adopting stablecoins for ideology. They are doing it for efficiency.
Key advantages include:
Faster settlement compared to SWIFT and correspondent banking
Lower transaction and FX costs
24/7 availability without banking hour restrictions
Improved liquidity management for global operations
Transparent, on-chain auditability
For multinational businesses, this can translate into significant operational savings and smoother treasury workflows.
Stablecoins: From Trend to Financial Infrastructure
The surge in B2B stablecoin usage suggests that this technology is evolving from a crypto niche into a core part of modern financial infrastructure.
As regulatory clarity improves and institutional familiarity increases, stablecoins are increasingly positioned to reshape how businesses move value across borders.
What started as a trading tool is now becoming a settlement layer for global commerce.
This article is for informational purposes only and does not constitute investment advice. Readers should conduct their own research before making financial decisions.
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Zen Builders, while uncertainty reigns in other places, Europe has drawn a line in the sand. With the full implementation of the MiCA law, the landscape of stablecoins has changed forever. If you operate in the old continent, this is what you need to know today.

1. USDC: The "Legitimate King" of European Exchanges
Unlike USDT, which has faced compliance challenges in the EU, Circle (USDC) has established itself as the first global stablecoin to fully comply with MiCA.

The euro stablecoin market is undergoing a regulatory-driven structural transformation. The implementation of the EU MiCA regulation provides a clear compliance framework for the market, directly driving the growth in market capitalization and institutional participation. Although the current scale of $683 million is negligible compared to dollar stablecoins, its doubling growth rate and explosive trading volume increase of leading tokens (such as EURC's 1139%) indicate that this is not natural growth, but rather a concentrated release of demand following regulatory clarity.
The core role of MiCA is that it addresses the trust issues surrounding stablecoins. The regulation clears the way for traditional financial institutions by mandating transparency, auditing, and compliant issuance of reserve assets. The EURCV from Société Générale, Circle's EURC, and the latest Qivalis project launched by a coalition of nine major European banks all confirm this: traditional banks are no longer on the sidelines but are actively using stablecoins as new settlement and service tools. This essentially brings the trust endorsement of traditional finance into the crypto space.

Impressive Growth of USDC
According to reports from Circle, the stablecoin $USDC has achieved an astonishing growth of 78% in 2024. The total monthly transaction value of USDC exceeded $1 trillion in November 2024, and the total transaction value to date surpassed $20 trillion.
USDC currently has over 500 million users worldwide and is supported on 16 blockchains, having converted over $850 billion between fiat currencies.