Payoneer Research Reveals Stablecoin's Expanding Role in Financial Services

The Evolution of Stablecoin in Financial Services

In a groundbreaking study launched at the Money20/20 conference, Payoneer (NASDAQ: PAYO) highlights the transformative power of stablecoin beyond mere payments. This research titled Stablecoin Steps Up unveils a new frontier where marketplaces and enterprises leverage stablecoin to redefine their financial operations.

The Survey Breakdown

Conducted in September 2026, the report encapsulated insights from 265 senior professionals engaged in payments, treasury, and finance, specifically targeting U.S.-based enterprises with annual revenues exceeding $100 million. Each respondent had either adopted, pilot-tested, or had previous engagement with stablecoin, allowing for a comprehensive exploration of the technology's practical applications.

According to the findings, a staggering 69% of participants reported using stablecoin operationally, with a significant 41% managing it at a meaningful scale. Furthermore, a notable 82% of respondents anticipate that stablecoin will integrate into their financial infrastructure within the next three years, showcasing a strong momentum for its adoption.

Benefits and Impact

The research drew attention to the tangible benefits organizations are experiencing from stablecoin usage. Notably, 50% of organizations utilizing or testing stablecoin reported expedited settlement processes. In addition, 41% acknowledged improved access to diverse markets and currencies, while 40% observed enhanced experiences for payment recipients. These metrics underline stablecoin's potential to streamline operations significantly.

Future Directions with Stablecoin

Looking ahead, companies are increasingly excited about expanding stablecoin capabilities. Approximately 33% of surveyed organizations currently provide stablecoin functionalities directly to their customers. Moreover, 50% plan to incorporate these capabilities within three years, indicating a shift in strategic financial planning.

The emphasis on treasury management and multi-currency balances has surged, with around 92% of respondents ranking it as a current or forthcoming priority. Simultaneously, 86% express a keen interest in developing embedded customer wallets to enhance user experience.

Global Business Insights

The report also highlighted the broader advantages observed by businesses with cross-border operations. Among those functioning in 11 or more countries, an impressive 82% reported quantifiable benefits in at least three distinct areas, contrasting with a lower 60% for those operating in ten or fewer countries. This disparity reflects stablecoin's potential to operate efficiently across diverse geographical landscapes.

Complex Operations Driving Adoption

Companies that describe their cross-border operations as complex are at the forefront of stablecoin adoption. Those viewing their operations as highly complex forecast greater expansion across various use cases, particularly in making payments to suppliers and contractors, with an expectation of 82% compared to just 54% from those in less complex scenarios.

Marketplace Perspectives on Stablecoin

Renata Camera Santos, General Manager at eBay, expressed insights on the need for stablecoin to address prevalent business challenges. She commented, "The opportunity for stablecoin hinges on its effectiveness in solving clear business problems, whether through cost reduction or accelerated global payments. The technology must deliver practical value for both businesses and their customers."

Challenges Ahead

Despite the encouraging outlook, challenges loom large in transitioning from pilot schemes to everyday application. Key issues involve integration processes, reconciliation requirements, regulatory preparedness, and the necessity for clear provider accountability. Nonetheless, a strong 90% of businesses employing stablecoin at a significant scale affirm that the benefits far outweigh these challenges.

Conclusion

Payoneer's thorough investigation not only sheds light on the evolving role of stablecoin but also provides a glimpse into its transformative potential in creating new financial services and enhancing operational efficiency. As the full report launches at Money20/20 USA, it will undoubtedly guide businesses in navigating the future of stablecoin in their financial ecosystems.

For more information on Payoneer and its offerings, visit Payoneer's website.