Why Stablecoins Might Save Crypto Commerce (and How Our Users Prove It)

Stablecoin benefits for merchants are moving from buzzword to backbone. While the headlines still celebrate Bitcoin and Ethereum, a quieter revolution is taking place—led by stablecoins like USDT, USDC, and DAI.

At CoinsBee, the online platform to buy gift cards with crypto, we’ve seen a dramatic shift in user behavior. Our latest data shows that stablecoins have become the go-to payment option for high-value and recurring purchases. This trend isn’t just anecdotal; it reflects the real-world utility of stablecoins in solving the pain points that have long held crypto commerce back.

By eliminating volatility and offering fast, low-fee transactions, stablecoins are bridging the gap between crypto speculation and everyday spending. They tackle key challenges like volatility risk in crypto transactions, unpredictable network fees, and sluggish fiat settlement systems—making crypto truly spendable.

And the impact is measurable. From increased user satisfaction to faster, cheaper payments, stablecoins are changing how crypto gets spent—not just held.

In this article, we explore how CoinsBee users are leading this transformation, what makes stablecoins uniquely suited for digital commerce, and why merchants who adopt them early stand to gain the most.

The Problem Stablecoins Solve

Crypto’s early promise as “digital cash” has been undermined by one persistent problem: price instability. Unlike fiat currencies, which tend to move within narrow bands, assets like BTC and ETH can swing 5–10% or more in a single day. This kind of volatility risk in crypto transactions creates uncertainty for both merchants and customers.

Picture this: a customer wants to purchase a $100 gift card using ETH. If the market dips by 7% between checkout and confirmation, the merchant only receives $93 in value. Multiply that scenario across dozens or hundreds of transactions, and the revenue loss becomes substantial. Merchants are left either absorbing the loss or passing that risk onto their customers, which discourages usage altogether.

Compounding the issue are unpredictable network fees. Ethereum gas costs can fluctuate wildly depending on network congestion. What costs $1 to send one day might cost $25 the next. This deters users from completing transactions or forces them to delay spending, waiting for cheaper fees. In contrast, stablecoins—especially those on efficient networks like TRON or Polygon—offer consistently low costs and predictable processing.

Then there’s the issue of speed. Traditional fiat payment settlement times range from 1 to 5 business days, particularly when sending funds across borders. For merchants, that delay can restrict cash flow and hinder operations. Stablecoins, on the other hand, offer instant finality. Transactions settle within minutes, giving merchants immediate access to usable capital.

These technical and financial frictions don’t just frustrate users—they damage trust. Consumers want payment experiences that are smooth, fast, and fair. Merchants want transactions that are reliable and risk-free. Stablecoins fulfill both needs, offering a payments experience that’s secure, cost-effective, and built for real-world use. Platforms like CoinsBee demonstrate how removing volatility and friction leads to higher conversion rates and better outcomes for everyone.

Stablecoin Usage Patterns on CoinsBee

CoinsBee operates in over 180 countries and processes thousands of transactions weekly. This broad user base gives us unique insights into how people around the world are using crypto—not just to invest, but to spend. And the numbers tell a clear story: stablecoins are becoming the preferred payment method for practical, everyday use.

Over 45% of high-value transactions on CoinsBee are now made with stablecoins. The leaders are USDT, USDC, and DAI, with USDT holding the largest share due to its availability across low-fee networks like TRON and its strong presence in emerging markets. USDC follows closely, particularly in North America and Europe where its regulated, transparent reserves appeal to compliance-focused users. DAI, while smaller in share, is popular among DeFi-native users who value decentralization.

The average order value for stablecoin transactions is significantly higher than that of volatile cryptocurrencies like BTC or ETH. On CoinsBee, users paying with stablecoins spend 20–30% more per order on average. This suggests a higher level of confidence in stablecoins’ purchasing power and a willingness to use them for more substantial, recurring needs.

This shift it’s about what people are buying. The most popular categories for stablecoin payments are:

• Utility and phone bill payments
• Streaming and subscription services
• Travel and transportation vouchers
• Grocery, restaurants and food delivery gift cards

These are essential, real-life expenses—not speculative buys. The fact that users are relying on stablecoins to pay for necessities shows a growing maturity in how crypto is being used. It reflects a broader trend: crypto is moving from an investment vehicle to a payment method.

Geography also plays a major role. In countries facing high inflation, currency devaluation, or capital controls—such as Argentina, Venezuela, Nigeria, and Turkey—stablecoin usage is not only higher, it’s dominant. In these regions, stablecoins provide an escape hatch from failing fiat currencies. They allow users to store value in a dollar-pegged asset and make cross-border purchases without relying on local banks or intermediaries.

We’ve also observed strong user retention among stablecoin spenders. Unlike one-off BTC purchases, stablecoin users tend to make recurring transactions across multiple categories. These users often top up mobile phones weekly, pay streaming subscriptions monthly, and buy digital gift cards regularly. This pattern suggests not only convenience but habit—and habits signal trust.

In summary, CoinsBee’s user data makes one thing clear: stablecoins are no longer a niche choice for crypto-savvy users. They’re the default payment method for everyday crypto commerce. Whether it’s preserving value in unstable economies, accessing global services, or simply avoiding high fees and delays, users are choosing stablecoins again and again—for good reason.

Stablecoins vs. Volatile Coins in Commerce

What happens to crypto spending when the market gets shaky? CoinsBee’s internal data reveals a consistent trend: as prices swing, users increasingly move away from volatile coins and turn to stablecoins.

Let’s say Bitcoin drops 10% in a single day. This type of market event triggers a noticeable switching behavior: users who were about to pay in BTC often change their preference to stablecoins—primarily USDT, followed by USDC. This shift isn’t driven by panic but by practicality. When the value of a currency fluctuates by the minute, customers hesitate. Stablecoins, by contrast, offer predictability and peace of mind.

This behavioral shift is closely tied to abandonment rates. Transactions initiated with volatile coins like BTC or ETH are more likely to be abandoned at the checkout stage, especially during periods of high price volatility or network congestion. Users may second-guess their timing, reconsider the value, or balk at rising gas fees. In contrast, those using stablecoins experience fewer obstacles: prices are stable, fees are low, and transactions confirm quickly. The result? A significantly higher rate of completed purchases.

Our data also shows that stablecoin users behave differently at the decision-making level. They convert faster and with more confidence. They don’t check charts mid-purchase or wait for market conditions to improve. They simply transact—because they know what they’re paying and what they’re getting in return.

It’s also worth noting how users perceive their holdings. Many treat BTC and ETH as long-term investments, storing them in cold wallets or exchanges. But stablecoins like USDT are treated as spendable currency—funds intended for day-to-day use. That distinction plays a crucial role in usage patterns. For anything substantial—utility bills, gift cards, travel vouchers—stablecoins are the go-to choice.

Volatile coins aren’t disappearing. They’re still used for smaller, experimental, or opportunistic transactions, especially during bull runs. But stablecoins have clearly carved out their place as the practical, default option for real-world commerce.

At CoinsBee, the data is unequivocal: stablecoins outperform volatile coins in transaction success, user confidence, and overall spending behavior. In short, where there’s less risk, there’s more action. And that’s exactly what merchants need.

Why Merchants Benefit from Stablecoin Adoption 

Merchants around the world are beginning to see stablecoins not just as a payment method, but as a strategic upgrade to how they do business. With benefits that touch accounting, customer experience, and revenue, merchant adoption of stablecoins is fast becoming a competitive advantage.

First and foremost, predictable settlement values remove one of the biggest headaches in crypto payments: uncertainty. Unlike BTC or ETH, which can fluctuate by the minute, stablecoins like USDT and USDC maintain a 1:1 peg to the dollar. This means merchants know exactly how much they’re receiving at checkout, simplifying accounting and cash flow management. No more volatility buffers, no more urgent currency conversions—just clean, stable numbers.

Second, stablecoins dramatically reduce payment disputes. Traditional payment methods often leave room for error or fraud, with unclear settlement times and reversible transactions. In contrast, blockchain payments are timestamped, traceable, and irreversible. This gives merchants greater control and fewer chargebacks. On CoinsBee, our partners report fewer support requests and almost no payment-related conflicts when stablecoins are used.

Third, stablecoins create a better experience for customers. When paying with volatile coins, users often hesitate. They may wait for better prices or abandon their carts altogether. Stablecoins remove these obstacles. With fixed values and low fees, users are more likely to complete purchases quickly—resulting in lower conversion friction for customers and higher sales for merchants.

We’ve seen the difference firsthand. CoinsBee merchants who offer stablecoin payments enjoy stronger conversion rates, improved satisfaction scores, and greater repeat business—especially in fast-moving sectors such as Steam in digital gaming, Netflix in online subscriptions, and Uber Eats in food delivery.

In short, stablecoins are helping merchants reduce risk, speed up settlement, and close more sales. With CoinsBee, embracing stablecoins is not only easy—it’s smart business.

The Rise of Multi-Network Stablecoins

Stablecoins have evolved far beyond their early limitations. Today, major players like USDT and USDC operate across a wide range of blockchain ecosystems—including Ethereum, TRON, Polygon, Solana, Avalanche, and others. This multi-chain presence has significantly improved scalability, reduced transaction costs, and expanded accessibility across global markets.

In regions such as Southeast Asia, South America, and parts of Eastern Europe, TRON USDT dominates. Why? The answer is simple: low fees and high speed. A transaction on Ethereum might cost several dollars during times of congestion, while the same transfer on TRON costs less than a cent and clears almost instantly. For users topping up mobile phones or purchasing gift cards worth $10 or $20, that difference is critical.

For merchants, this trend has clear implications. Supporting multi-network stablecoins enables access to a broader and more diverse audience. Whether your customer is in Germany using USDC on Ethereum, or in the Philippines using USDT on TRON, you can serve both with minimal friction. This cross-network compatibility removes a major barrier to crypto adoption in commerce.

CoinsBee has embraced this evolution by offering seamless support for stablecoins across multiple chains. This ensures that our users can always choose the network with the best combination of cost, speed, and convenience, without compromising functionality or trust.

In the end, the rise of multi-network stablecoins is not just a technical upgrade—it’s a user-centric innovation that enhances accessibility, drives adoption, and brings crypto commerce one step closer to mainstream acceptance.

Barriers Still Holding Back Stablecoins 

Despite their strong growth and practical use cases, stablecoins still face significant barriers to universal adoption. These challenges are not technological, but infrastructural, regulatory, and educational.

The first major hurdle is regulatory uncertainty in key markets. While the EU’s MiCA framework and various U.S. proposals are attempting to establish clearer rules for stablecoins, many unanswered questions remain. Will stablecoin issuers need full banking licenses? How often will reserves be audited, and by whom? Will different jurisdictions impose conflicting requirements? For merchants—especially those outside the crypto-native ecosystem—this lack of clarity creates hesitation. No business wants to adopt a system that could suddenly face restrictions or compliance risks.

The wallet UX limitations are another issue. While crypto-native users can easily switch between networks and wallet types, newcomers often struggle. Choosing the correct version of a token—say, USDT on ERC20 or TRC20—isn’t intuitive. Mistakes can lead to lost funds or failed transactions. Add to that the need to manage gas fees, understand seed phrases, and navigate unfamiliar interfaces, and it’s clear why mainstream users often hesitate. The onboarding experience must be drastically simplified for stablecoins to go fully mainstream.

Finally, there’s a lack of awareness among traditional merchants. Many still associate “crypto payments” with high volatility, long wait times, and technical complexity. Few realize that stablecoins offer the benefits of blockchain—fast, borderless, secure payments—without the downside of market swings. This misunderstanding slows down merchant adoption of stablecoins, especially in industries that could benefit most, like e-commerce and digital services.

At CoinsBee, we’re addressing these barriers through improved design, clear communication, and education. But to truly unlock stablecoins’ potential, collaboration is needed across the entire ecosystem—from regulators to wallet providers to payment processors.

Stablecoins have already solved many of crypto’s core challenges. Now, the task is clearing the path for everyone else to follow.

What This Means for the Future of Crypto Commerce 

Stablecoins are no longer just a workaround for crypto volatility—they are quickly becoming the central infrastructure for the future of digital commerce. As blockchain matures and real-world use cases become the priority, stablecoins are emerging as the payment layer that connects crypto-native tools to everyday consumer needs.

What makes them so powerful is their unique ability to bridge the gap to mainstream retail. Merchants require price stability, fast settlement, and low fees. Customers want predictability, ease of use, and cross-border compatibility. Stablecoins check all these boxes. Unlike BTC or ETH, they aren’t subject to daily price fluctuations that erode trust. They offer a dollar-equivalent experience with all the benefits of crypto’s speed and transparency.

This is especially crucial in cross-border ecommerce. Traditional systems like SWIFT or PayPal involve delays, high fees, and currency conversions. Stablecoins eliminate these pain points. For example, a user in Turkey can instantly purchase a gift card on CoinsBee denominated in euros using USDT on the TRON network, avoiding both inflation and banking friction. This seamless cross-border capability empowers both merchants and customers to transact globally without the usual limitations of banking infrastructure.

Looking forward, stablecoins will also play a critical role in linking crypto to the emerging world of CBDCs (Central Bank Digital Currencies) and legacy banking rails. As more countries launch their own digital currencies, interoperability will be key. Stablecoins are well-positioned to act as a trusted bridge—offering liquidity, programmability, and compliance-friendly integration with APIs used by neobanks, fintech apps, and enterprise payment systems.

At CoinsBee, this future is already in motion. We support stablecoin payments across a wide range of blockchains and countries, showing how crypto commerce can already scale to a global audience—without sacrificing stability or user experience.

In short, stablecoins are not just the next phase of crypto—they are its gateway to global adoption.

Final word 

Stablecoins have quietly solved the three biggest challenges in crypto payments: volatility, speed, and cost. They provide the predictability merchants need, the speed customers expect, and the affordability that makes everyday crypto spending practical. These aren’t theoretical benefits—they’re happening in real time.

CoinsBee’s own transaction data confirms this shift. With more than half of high-value purchases completed in stablecoins, our users are proving that crypto commerce is thriving. From utility payments in high-inflation countries to global digital subscriptions, stablecoins are enabling frictionless, real-world use.

For merchants, this is a rare window of opportunity. Those who embrace stablecoin payments now will gain a competitive edge as broader adoption continues. Stablecoins offer access to a fast-growing, digitally fluent customer base, all while reducing risk and simplifying operations.

At CoinsBee, we’ve already built the infrastructure to make this transition seamless. If you’re ready to be part of the future of payments, now’s the time to act.