2026-01-16 06:22:02

The stablecoin payment ecosystem reaches a new milestone. According to the latest data, the monthly transaction volume of crypto card payments has surpassed $15 billion. In comparison, P2P stablecoin transfers have a monthly transaction volume of $11 billion, and the gap is widening. Interestingly, although there are many participants, the concentration in the payment card sector is extremely high—Visa-based products account for over 80% of transaction share, making it the mainstream payment gateway. This phenomenon reflects the deep penetration of traditional payment giants into the crypto ecosystem and also indicates that stablecoins are shifting from being a trading tool to a daily payment method.

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hodl_therapist

· 11h ago

$15 billion trading volume sounds impressive, but it turns out Visa took 80%, is this still called decentralization? Laugh out loud --- Stablecoins are just stablecoins, why pretend to be a payment revolution? It's really just traditional finance with a new shell --- P2P is only 11 billion? Feels not as popular as expected, everyone still trusts credit cards more --- Visa's 80% share, this data looks like traditional giants are just harvesting crypto --- Daily payments sound good, but you still need companies like Visa to actually use them, self-contradiction indeed

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TokenomicsTinfoilHat

· 11h ago

$15 billion? Visa takes 80%, and this is still called decentralization haha --- Stablecoin payments are taking off, but the real profit still goes to traditional giants. We're just helping them digitize --- P2P is only $11 billion, card payments are $15 billion, and the gap is getting bigger... It feels like the true peer-to-peer payment dream is still very far away --- Visa's 80% market share says what? Still the same centralized approach to continue harvesting users, just with a different disguise --- Turning from a trading tool into a payment method sounds wonderful, but with Visa's dominance, I'm a bit worried --- This data looks great, but Visa occupying such a large share really makes people uncomfortable --- $15 billion seems like a lot, but when you see that Visa-related entities take it all, it feels like the entire ecosystem has been sidelined

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