Digital payments, from mobile wallets to stablecoins and smart contracts, are experiencing explosive growth in 2025, driving a borderless financial lifestyle where convenience trumps traditional cash. With stablecoin transaction volumes exceeding $4 trillion between January and July alone, these tools simplify cross-border and everyday payments, reducing costs and processing times. Analysts predict that by 2026, tokenization and the integration of blockchain into card networks will solidify this revolution.
Key Trends in 2025: Digital wallets capture 49% of e-commerce payments and 32% at points of sale, figures that will climb to 52% and 39% by 2026, with mass adoption in the US, where 9 out of 10 consumers use them. Instant payments like Pix in Brazil and UPI in India are leading in emerging markets, while Europe accelerates its rollout. Meanwhile, SoftPOS and Buy Now Pay Later (BNPL) are transforming transactions in physical stores. Artificial intelligence is enhancing fraud prevention and personalization, although increasing regulations are challenging issuers.
Advantages of Multicurrency Accounts
Multicurrency accounts eliminate exchange fees of up to 1%, allowing businesses to manage USD, EUR, and GBP on a single device for instant global payments via stablecoins such as USDC or USDT. Companies convert currencies at optimal times, avoid fluctuations, and consolidate balance sheets, improving cash flow and international expansion without multiple banks. This "borderless" approach reduces remittance costs and accelerates settlements from days to seconds.
The Future with Stablecoins and Tokens
Stablecoins represent 30% of crypto volume in 2025, with a supply of $305 billion and 32 trillion transactions in 2024, ideal for volatility-free payments. By 2026, card networks like Visa and Mastercard will route more than 10% of cross-border settlements via public blockchains, using tokens to minimize risk. Smart contracts will automate transactions, while tokenization replaces card numbers (PANs) for greater security and approval rates.