Payoneer Report Reveals 69% of Enterprises Now Use Stablecoins for Financial Infrastructure

Payoneer’s latest research indicates that stablecoins have moved beyond the experimental phase, with 69% of surveyed finance leaders already utilizing the technology for live operations. For fintech professionals, this shift signals a transition from theoretical blockchain utility to practical enterprise integration across cross-border payments, treasury management, and customer-facing financial services.

What was announced

The report, titled "Stablecoin Steps Up: Enterprise Report 2026," was unveiled at the Money20/20 conference. It draws on a survey of 265 senior leaders across the payments, treasury, and finance sectors to determine how marketplaces and platforms are moving from experimentation to everyday utility. The research includes internal expertise from Payoneer alongside external perspectives from payments leaders at major platforms including eBay and Upwork.

A primary finding of the report is that 69% of surveyed organizations are already live with stablecoin operations, with 41% utilizing the technology at what the report describes as a "meaningful scale." The adoption curve appears set to steepen; while 33% of businesses currently offer stablecoin capabilities directly to their customers, another 50% indicate they plan to implement these services within the next three years.

The report identifies several operational drivers for this shift. Among organizations currently using or piloting stablecoins, 50% cited faster settlement as a primary benefit, addressing a long-standing friction point in cross-border trade. Additionally, 41% of respondents reported better access to various markets and currencies, while 40% noted an improved experience for the final payment recipients. Beyond these metrics, the report examines the practical value of stablecoins in treasury management and the specific regulatory and "last-mile" challenges that businesses must address to operate these systems at a global scale.

The companies involved

Payoneer is a global financial technology company that facilitates cross-border payments and commerce for marketplaces, platforms, and enterprises. The firm acts as a bridge between diverse financial systems, enabling businesses to pay and get paid in multiple currencies across more than 190 countries and territories. In a major industry shift, Nuvei reached an agreement in June 2026 to acquire Payoneer for $2.75 billion, a move designed to consolidate their positions in the global commerce landscape.

The company’s market position is built on its ability to handle the complexities of international trade, including compliance, tax identity, and currency conversion. It has become a staple for the freelance and e-commerce sectors, supporting millions of small businesses and digital entrepreneurs. By integrating stablecoin insights into its broader service offering, Payoneer is positioning itself at the intersection of traditional fiat systems and emerging digital asset infrastructure. This strategic focus aligns with its recent efforts to localize operations through specific regional registrations and the development of specialized technology hubs to support global fintech transformation.

What FF News has reported before

FF News has closely followed Payoneer’s strategic expansion throughout 2026. In June, we covered the landmark news that Nuvei to Acquire Payoneer for $2.75 Billion, Creating a Leading Global Platform for Local and Cross-Border Commerce. The company has also focused on strengthening its infrastructure, as seen when Payoneer Launches AI Innovation Hub in Gurugram to Fuel Global Fintech Transformation in July. More recently, the firm solidified its market position by extending its reach, as detailed in Payoneer and Etsy Extend Cross-Border Payments Partnership Through 2029 and the announcement that Payoneer Secures Canadian PSP Registration to Fuel Cross-Border Growth.

What this means

The data suggests the "crypto winter" narrative has been replaced by a pragmatic "stablecoin spring" in the B2B sector. When 41% of large-scale enterprises move beyond pilots into meaningful volume, the technology is no longer a fringe interest. Traditional correspondent banking networks are under direct pressure; the 50% of respondents citing faster settlement indicates that the legacy T+2 or T+3 model is becoming a competitive liability. The real test for the industry now lies in the "last-mile" integration. While moving value on-chain is technically solved, the friction of off-ramping into local fiat and navigating fragmented global regulations remains the primary barrier to total market saturation.