Cross-border B2B stablecoin payments could surge to $5 trillion by 2035, driven by corporate treasury use and faster, cheaper settlement, a new Juniper Research report finds.
Published April 27, the report forecasts stablecoin-based business-to-business transactions rising from $13.4 billion in 2026 to roughly $5 trillion within a decade. Juniper expects enterprise payments to dominate the market, with B2B flows representing about 85% of all stablecoin transaction value by 2035 as companies embed tokens into treasury operations, supplier payouts and cross-border settlements.
Why the jump? Juniper points to persistent inefficiencies in correspondent banking—multiple intermediaries, FX costs, messaging fees and slow processing—that make traditional cross-border corporate payments costly and slow. Stablecoins, which settle on-chain almost instantly, can cut processing times and reduce fees, especially in high-value 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 Juniper 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.” The firm warns payment providers and issuers that securing this growth will require deep enterprise integrations and partnerships with treasury management systems.
Stablecoins already span person-to-person transfers, consumer purchases, card-linked use and business payments, but Juniper sees corporate flows taking a clear lead as adoption matures.
Regulators and central bankers are watching closely. The rapid expansion of dollar-backed stablecoins has raised concerns about financial stability and oversight gaps. At a recent Tokyo seminar, Banco de España governor Pablo Hernández de Cos warned that U.S. dollar stablecoins—like USDT and USDC—can behave more like investment products than liquid cash, with redemption terms and fees that diverge from traditional money. He cautioned that a sudden wave of redemptions might force issuers to sell reserve assets (government bonds, bank deposits), creating stress in underlying markets.
Policy responses are emerging: Europe’s Markets in Crypto-Assets (MiCA) regime and other frameworks aim to tighten oversight and prevent issuers from shifting operations across jurisdictions during stress. Meanwhile, traditional banks are experimenting with regulated alternatives that combine blockchain efficiency with existing controls—Swiss banks, including UBS, have launched pilots for franc-denominated stablecoins.
The Juniper forecast underscores a key battleground for the next wave of crypto payments: firms that can integrate stablecoins into enterprise systems and navigate evolving regulation may capture a large slice of what could become a multi-trillion-dollar B2B market.
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