Cross-border B2B stablecoin payments have been projected to reach $5 trillion by 2035, according to a new report from Juniper Research.
Summary
- Cross-border B2B stablecoin transactions are projected to reach $5 trillion by 2035, rising from $13.4 billion in 2026, according to Juniper Research.
- Juniper Research estimates that B2B flows will account for 85% of total stablecoin transaction value as enterprise adoption expands.
The report published on April 27 has estimated that the total cross-border B2B stablecoin transaction value will climb from $13.4 billion in 2026, with enterprise payments expected to dominate usage over the next decade.
Looking at the data, business-to-business flows are set to account for 85% of all stablecoin transaction value by 2035.
Usage is moving beyond retail trading activity, with companies integrating these tokens into treasury operations, supplier payments, and cross-border settlements where speed and cost remain critical factors.
Cross-border B2B use cases drive growth
Juniper’s findings point to inefficiencies in traditional correspondent banking as a key reason behind this rise. Conventional systems rely on multiple intermediaries, which often leads to delays, foreign exchange costs, and messaging fees.
Stablecoins, by contrast, settle on-chain almost instantly, cutting down both processing time and transaction costs. This makes them particularly useful for high-value corporate transfers, especially in corridors where dollar-backed tokens act as a neutral settlement layer.
“Stablecoins are not replacing payments infrastructure; they are being adopted where the advantages are most pronounced,” said Research Analyst Jawad Jahan.
“Cross-border B2B is where those advantages are greatest, and where we expect the most sustained volume growth over the forecast period.”
Juniper added that payment providers and issuers looking to capture this growth will need to focus on enterprise integrations and partnerships tied to treasury management systems.
Stablecoin activity spans multiple segments, including person-to-person transfers, business payments, consumer transactions, and card-linked usage. Even so, corporate flows are expected to take a clear lead as adoption matures.
Growth narrative meets regulatory caution
Across global policy circles, the rapid rise of dollar-backed stablecoins has drawn closer scrutiny, with central bankers warning that these instruments, while efficient, may introduce risks if they continue to expand outside established financial safeguards.
At a recent seminar in Tokyo, Pablo Hernández de Cos warned that U.S. dollar stablecoins could carry “material consequences” for global economic policy, pointing to concerns around how these assets are structured and redeemed.
He noted that major tokens such as USDt and USDC operate in ways that resemble investment products rather than liquid cash, with redemption conditions and fees that differ from traditional money systems.
De Cos warned that a sudden surge in redemptions could force issuers to liquidate reserve assets such as government debt and bank deposits, potentially creating pressure in underlying markets.
European officials have moved to tighten oversight under frameworks such as MiCA, warning that regulatory gaps could allow issuers to shift operations across jurisdictions during periods stress.
Banks are also testing alternatives that keep digital money within regulated systems, with Swiss institutions including UBS launching pilot projects for franc-denominated stablecoins that combine blockchain efficiency with existing financial controls.
