Businesses already exploring stablecoins are reporting faster settlement and better access to markets, according to research published by Payoneer on 19 October.
The survey found that 69% of respondents used stablecoins operationally, including 41% at what the report described as meaningful scale. However, its sample specifically targeted large businesses with stablecoin experience or interest. The findings therefore do not measure adoption across all US companies. Mon, 10/19/2026 – 09:00
Key Takeaways
- The survey covered 265 senior payments, treasury and finance leaders.
- Respondents represented US-based businesses with annual revenue of at least $100 million.
- Half of organisations using or piloting stablecoins reported faster settlement.
- Integration, reconciliation and regulatory readiness remained barriers.
- The results describe a selected business sample, rather than the wider economy.
What the Survey Found
Payoneer’s Stablecoin Steps Up research announcement describes responses collected in September 2026 from marketplaces, platforms and enterprises.
Among organisations using or piloting stablecoins, 50% reported faster settlement, 41% cited improved access to markets and currencies, and 40% reported a better experience for payment recipients.
The report also identified integration with existing systems, reconciliation, regulatory readiness and provider accountability as challenges to routine use. Mon, 10/19/2026 – 09:00
These findings shift attention from simply understanding what stablecoins are to assessing where they solve an operational problem.
Faster Transfers Still Need Reliable Delivery
In an interview with FinTech Magazine, Payoneer’s stablecoin vice president, Rowland Berry, said responsibility needs to be clearly allocated among issuers, wallet providers, payment providers and businesses.
He stressed that a successful blockchain transfer does not complete the business task if the recipient cannot access or convert the funds. Platforms need agreed procedures for handling exceptions, refunds and other problems. FinTech Magazine
That distinction matters for international payments. A transfer may involve purchasing tokens, moving them across a blockchain, converting them into local currency and withdrawing through a bank or another service.
As UPay’s coverage of Canada-to-Asia crypto remittances explains, costs and access conditions across that complete route determine the recipient’s practical experience.
Operational Use Has Different Meanings
Berry distinguished meaningful-scale adoption from limited operational use.
Meaningful scale involves recurring activity and substantial volume in at least one area, such as supplier payments or funding across markets. Limited use may involve a single market, a small customer group or lower volumes.
He also cautioned that customer-facing stablecoin capabilities should not automatically be treated as banking services. Regulatory responsibilities depend on the activities performed and the entities providing them. FinTech Magazine
Why the Sample Matters
Every respondent was using, piloting, evaluating or had previous experience with stablecoins. Businesses with no engagement were outside that selection. Mon, 10/19/2026 – 09:00
Consequently, the 69% operational-use figure cannot support a headline claiming that most American businesses use stablecoins.
It also should not be directly compared with the much lower adoption recorded in the Cleveland Fed business survey. The studies examined different populations at different times.
Conclusion
The research offers evidence of practical benefits among large businesses already engaged with stablecoins. Wider adoption will depend on whether providers can combine settlement speed with straightforward integration, dependable access to funds and clear responsibility when payments go wrong.
