B2B is 79% of retail cross-border payment flow on fiat rails, and has the lowest stablecoin share of the four use cases. Consumer-to-consumer and business-to-consumer both move close to 1% of their own cross-border volume, and FXC expects both to pass 1% in 2026 if current rates hold. B2B moves 0.19% of its $35tn. FXC Intelligence research, with onchain data from Allium, sizes the stablecoin share of the retail cross-border market for full-year 2025, segment by segment. The split is consistent with adoption landing first where fiat friction, cash-out costs and receive-side FX volatility bite hardest: consumer-involved flows run 0.59% to 0.95%, against B2B's 0.19%. Figures are estimates. Informational only, not investment advice. Full report: