Stablecoin payments using digital currency and card transactions are becoming mainstream—annual transaction volume has exceeded $18 billion.

ThreeHornBlasts · 2026-01-30T14:06:25+00:00

The digital currency sector is witnessing a significant shift, with cryptocurrency cards emerging as the leading channel for stablecoin use, achieving $18 billion annually. This growth is bridging traditional banking and cryptocurrency markets, facilitating easier access and transactions. Meanwhile, Visa continues to dominate the market with over 90% share, indicating that multiple payment methods are likely to coexist in the future, offering consumers more flexibility and options.

ThreeHornBlasts

2026-01-30 14:06:25

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A significant shift is occurring in the field of digital cryptography. According to Artemis’s latest report, cryptocurrency cards are emerging as the largest channel for stablecoin usage, experiencing remarkable growth. This new payment method is increasingly recognized as a more practical and convenient solution compared to traditional remittance methods.

A New Era of Stablecoin Payments, Cryptocurrency Cards Reach $18 Billion Annually

According to ChainCatcher, the annual transaction volume of stablecoin payments through cryptocurrency cards has already reached $18 billion. This scale is comparable to the direct transfer of stablecoins on peer-to-peer blockchains (annual $19 billion). Notably, payment channels that did not exist just a few years ago are now playing a major role in the utilization of digital cryptography.

The rapid growth of cryptocurrency card payments serves as an important bridge connecting traditional banking payments and the world of cryptocurrencies. Users can convert digital assets directly into real-world consumption activities, significantly enhancing convenience, which underpins this growth.

Visa’s Market Dominance and Diversification of Digital Crypto Payments

Currently, Visa holds an overwhelming presence in the market, accounting for over 90% of transaction share. This oligopoly demonstrates how robust the infrastructure of traditional card payment networks is.

However, Artemis analyzes that direct crypto payments will not completely replace existing card networks in the short term. Instead, a coexistence and complementarity of multiple payment methods—such as cryptocurrency cards, traditional card payments, and on-chain transfers—is expected to continue. Building this multi-faceted payment ecosystem will be an important indicator of the maturity of the stablecoin market.

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