The world’s biggest technology and financial players are quietly reshaping the foundation of digital payments.
From PayPal and Stripe to Mastercard and JPMorgan, they’re no longer experimenting, they’re now building real, scalable infrastructure powered by stablecoins and crypto-wallets.
This wave of stablecoin adoption in commerce marks a structural shift. Major institutions are embedding blockchain-based payments into mainstream systems, bridging traditional finance with next-generation rails.
Stablecoins are digital currencies designed to maintain a stable value by being backed 1:1 by traditional currencies like the US dollar. They combine the trust of fiat money with the speed, transparency, and global reach of blockchain transactions.
For brands, retailers, and e-commerce players, this isn’t just about technology. It’s the signal that a new generation of consumers, payments, and engagement models is emerging, one that’s redefining how commerce works.
1. Stablecoins go mainstream, and bring crypto-wallets with them
PayPal’s stablecoin PYUSD, now live across multiple blockchain networks such as Ethereum, Solana, and Arbitrum, allows users to move digital dollars instantly and globally.
This is one of the most visible examples of stablecoin adoption in commerce and finance. Indeed, digital currencies are being used not only for cross-border payments, but also for consumer transactions and loyalty programs.
Every transaction made with PYUSD happens through a crypto-wallet, the new interface of the digital economy, where payments, identity, and loyalty intersect.
According to the latest State of Crypto Commerce & Payments report by Absolute Labs and Crypto.com Research (H1-2025, July 2025), there are now over 820 million active crypto-wallets worldwide, representing more than $750 billion in global purchasing power.
These consumers, the crypto-wallet shoppers, are already visiting brand websites and transacting online. However, most CRM systems still fail to recognize them.
2. Payment giants are building the rails of Crypto Commerce
Stripe’s blockchain initiative, Tempo, backed by Visa, Shopify, and OpenAI, is designed to make stablecoin transactions as easy as today’s credit card payments.
Meanwhile, PayPal continues to invest in blockchain infrastructure and crypto-payment startups like Stable and Mesh, extending stablecoin usage across multiple networks and enabling instant merchant settlement.
The message is clear: the same companies that built the Web2 payment ecosystem are now constructing crypto-native rails for global payments: faster, programmable, and open 24/7.
For brands, this means Crypto Commerce infrastructure is no longer theoretical. It’s being built by the same trusted players that power their existing checkout and loyalty systems.
3. Financial institutions accelerate adoption
Leading financial institutions, including Mastercard, JPMorgan, Fidelity, and Morgan Stanley, are integrating digital assets and stablecoin settlements into their services.
These initiatives aim to make finance more efficient, transparent, and accessible. For brands and retailers, this creates a secure, compliant environment to experiment with Crypto Commerce.
Institutional involvement brings stability, trust, and liquidity. Consequently, crypto-wallet and stablecoin experiences are moving from innovation labs to everyday business operations, including Mastercard, now actively piloting stablecoin settlements across regions.
4. The new frontier for brands: Crypto Commerce
Crypto Commerce isn’t about replacing existing payment methods. It’s about understanding and engaging a new audience.
At Absolute Labs, we help brands:
- Detect crypto-wallet visitors the moment they land on their site or app.
- Enrich their CRM profiles with wallet insights: buying power, interests, or community affiliations.
- Engage and convert these high-value consumers with personalized campaigns, offers, or loyalty benefits.
- Enable crypto-friendly payment experiences, including stablecoins and crypto cards, as a seamless extension of existing checkout options, enhancing convenience and brand perception.
In other words, our platform turns anonymous crypto-wallet traffic into actionable intelligence and measurable revenue opportunities.
5. Why this moment matters
The integration of stablecoins by global players like PayPal, Stripe, and Mastercard signals the start of a new chapter: the industrialization of crypto payments.
It’s no longer a question of if, but how fast brands will adapt to this shift.
Therefore, for marketers, CRM, and e-commerce leaders, the opportunity lies in acting early: capturing crypto-wallet insights, personalizing engagement, and meeting the expectations of this fast-growing audience.
As adoption accelerates, stablecoin adoption in commerce will reshape how brands approach loyalty, customer acquisition, and cross-border growth, turning data from crypto-wallets into a new source of competitive intelligence.
The bottom line
When trusted names like PayPal, Stripe, and Mastercard build with crypto, it’s not just about technology, it’s about the next evolution of digital commerce.
And for forward-thinking brands, this is the time to turn insight into impact.
At Absolute Labs, we enable brands to unlock the power of crypto-wallet data and stablecoin adoption to drive engagement, loyalty, and incremental revenue.
📩 Ready to explore how your brand can tap into the crypto-wallet economy?
→ Contact our team to discuss your business opportunity.
📊 Discover more insights in our latest report:
→ Download our latest State of Crypto Commerce & Payments to explore the data and insights shaping this new retail frontier.
Explore further insights to turn this moment into action for your brand:
- Transform your non-traditional traffic into revenue via turning crypto-savvy traffic into revenue.
- Discover how your team can benefit from crypto-wallet intelligence for CRM teams.
- Learn how to build a wallet-native funnel for e-commerce growth that captures and converts crypto-wallet audiences.
- Understand how to activate and measure these audiences with crypto-wallet scoring in retail & luxury.
