Every segment of the retail cross-border market grew faster on stablecoin rails than on fiat through 2025.
Consumer-to-business led at 72%, B2B at 69%, business-to-consumer at 62% and consumer-to-consumer at 44%, against 7% to 10% for the fiat equivalents.
The ordering is the part worth sitting with: B2B is both the least penetrated segment, at 0.19%, and the second-fastest growing.
FXC's early-2026 partial-year data implies the overall rate cooling toward 23%, though seasonality means the full year may look different.
FXC Intelligence research with onchain data from Allium. Figures are estimates. Informational only, not investment advice.
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