Crypto Payments Hit Record High as Stablecoins Dominate CoinZoom Transactions
CoinZoom's Q3 2025 data shows cryptocurrency now accounts for 60% of Visa debit card transactions, signaling a major shift toward stablecoin adoption in everyday consumer spending.
CoinZoom, a U.S.-based fintech platform, reported that cryptocurrency accounted for 60% of all Visa debit card transactions during the third quarter of 2025, representing the highest share in the company's history. The stablecoin Tether (USDT) emerged as the most frequently used cryptocurrency during this period, highlighting growing consumer preference for stablecoins in daily financial activities.
This milestone coincides with customers earning an average of $78.59 in crypto rewards during July, the highest rewards month since CoinZoom launched its international Visa program in November 2024. The trend reflects broader movement toward stablecoin and cryptocurrency adoption across fintech and retail ecosystems following the passage of the Genius Act. Every major U.S. consumer-facing wallet with significant adoption has either integrated cryptocurrency or announced plans to launch stablecoin functionality.
"Reaching a point where the majority of our debit card transactions are in crypto is not just a milestone - it is a leading indicator of where the market is headed," said Todd Crosland, founder and CEO of CoinZoom. "The Genius Act has certainly been a catalyst. As more consumers and businesses adopt stablecoins, we are forecasting higher transaction volumes, deeper customer engagement as their rewards grow, and stronger revenue streams."
Major retailers including Amazon and Walmart are exploring proprietary stablecoins to reduce cash-handling costs and enhance customer loyalty programs. Simultaneously, several of the largest U.S. banks have jointly announced plans for a U.S. dollar-backed stablecoin initiative, indicating institutional recognition of stablecoin potential.
Crosland noted that CoinZoom Visa debit cards are regularly used for cryptocurrency transactions across 45 to 50 countries monthly. Consumers are choosing crypto for diverse purchases ranging from morning coffee at Starbucks and fast food to airline tickets, travel, and high-value items like jewelry and furniture. When given payment options, customers increasingly select stablecoins and cryptocurrency, which now constitute nearly two-thirds of CoinZoom's monthly transactions. More information about the company's services can be found at https://www.coinzoom.com.