Retail Stablecoin Adoption Hits New High as Adoption Soars

Stablecoin adoption among retail users has seen a reasonable spike in its figures, setting new records for 2025. According to a report by CEX.io, stablecoin transaction volumes for last month also significantly outranked last year’s total. This suggests that the crypto niche has seen a significant rebound within the last one year.

Stablecoin Transfer Volume Outranked Previous Record

In August, transactions under $250, also known as retail-sized transfers, pulled in more than $5.84 billion. 

This is the highest value that has ever been recorded, per Visa and Allium which were cited in the report. There are still about four months left for this year to end and 2025 is already the busiest period for stablecoins, particularly for transfer volume at the level of the consumer.

It is clear that stablecoins have found more use cases in day-to-day financial activities, which cuts across cross-border remittances to micro transactions. 

2,600 Consumer Shares Take on Stablecoins 

CEX.io analysts shared data from a survey that was conducted recently with respondents from Nigeria, India, Bangladesh, Pakistan and Indonesia. 

All of these respondents shared their different reasons for adopting stablecoins and their future expectations for the crypto asset tied to fiat currency. A major percent of the 2,600 consumers claimed that they turned to stablecoins to evade high banking fees and slow transfers.

About 70% of the survey respondents said they have used stablecoins more frequently this year compared to the previous year. More than three-quarters of consumers are anticipating a continuous rise in the usage of stablecoins. 

China and Europe: For or Against Stablecoins?

Regions like China are working on issuing their stablecoin to facilitate international payments. In a conference, China’s state-owned energy company, PetroChina, hinted at this plan, citing that it would be instrumental to simplifying and modifying cross-border transactions. There is also the possibility that it will reduce dependence on traditional banks. 

Despite the growing stablecoin adoption, some jurisdictions still have concerns about the asset class. 

President of the European Central Bank (ECB) Christine Lagarde recently warned about the liquidity risks that stablecoin assets could pose. She pointed to the gap in the availability of quick and strong regulations, citing that these digital assets might destabilize financial markets across the European Union (EU).

Currently, there is the GENIUS Act and the MiCA regulation, which could impact positively on the stablecoin ecosystem.