Crypto for Business: B2B Use Cases and How They Work

Key Takeaways

• Stablecoin payments reached $390 billion in 2025, with B2B the fastest-growing category, up more than 730% (Artemis, 2025).
• B2B crypto use cases: import and export, marketplace payments, remittance and payroll, treasury management, and trading and settlement.
• B2B crypto capability: network fees can fall below $0.01 with settlement in minutes (World Bank, Q3 2025).
• In Indonesia, crypto is classified as an investment asset under the OJK, not a means of payment.

What B2B Crypto Use Cases Are

A B2B crypto use case is the use of crypto assets by one business to pay or transact with another business. The asset involved is almost always a stablecoin, a crypto whose value is pegged 1:1 to a currency such as the US dollar. The focus is on transaction speed and cost, moving value from one point to another as quickly and cheaply as possible to deliver operational efficiency for the business.

Total stablecoin transfers reached $11.6 trillion in 2025 (Allium, February 2026), a figure mixed with trading and automated activity. Of that, about $390 billion came from payments, with the largest share coming from B2B (Artemis, 2025).

Learn more in Stablecoin as a Global Financial Bridge on Pintu Academy.

Why Businesses Are Turning to Crypto

Sending money across borders through banks costs an average of 6.36% of the transfer value and takes three to five business days to arrive (World Bank, Remittance Prices Worldwide Q3 2025). For companies that transact frequently with clients in many countries, costs and settlement times like these become a significant burden.

On-chain rails, meaning transactions that run on a blockchain network, offer a different equation. Settlement requires only a network fee below $0.01, and funds arrive within minutes, at any time, without cutoffs. In 2025, Fireblocks surveyed around 300 financial institutions, and 48% cited faster settlement as the main benefit. An EY survey in 2025 also found that 41% of corporates already using stablecoins reported savings of at least 10% on cross-border B2B payments.

How Cross-Border Crypto Payments Work

A cross-border stablecoin payment is straightforward and runs in four steps:

1. On-ramp: the company converts local currency into a stablecoin through a regulated platform.
2. Transfer: the asset moves on-chain to the destination address within minutes, at any time, without passing through a correspondent-bank chain.
3. Settle: the recipient receives the stablecoin directly, with verifiable finality.
4. Off-ramp: the recipient converts the stablecoin back into local currency through a regulated platform in their country.

B2B Crypto Use Cases

Artemis data shows B2B payment volume surged from near zero in early 2023 to about $6.5 billion per month by August 2025, becoming the largest payment category as total stablecoin payments reached around $10.2 billion per month.

1. Cross-Border Payments

The first group centers on outbound cross-border payments.

• Import and export: same-day invoice settlement wherever the counterparty can receive stablecoins, not limited to a fixed list of corridors. These cross-border supplier payments were named by 77% of corporates as the most compelling use case (EY, 2025).
• Marketplace payments: paying cross-border sellers without wire fees. Three in four businesses reported higher sales after accepting stablecoins (BVNK/YouGov 2026).
• Remittance and payroll: near-zero-cost payouts to cross-border contractors. Networks such as Zepz settle 95% of transfers within minutes, priced below the UN’s 3% cost target (Circle, 2026).

2. Treasury and Settlement

The second group centers on internal cash management and settlement between institutions.

• Treasury management: moving working capital in fully reserved digital dollars, sweeping balances across accounts, time zones, business hours, and weekends (Circle, 2026).
• Trading and OTC: settlement between venues at any hour, without banking-hour delays. Exchanges, market makers, and over-the-counter (OTC) desks already run on stablecoin rails (Circle, 2026).

Examples and the Future of B2B Crypto Adoption

The clearest example comes from SpaceX. Through Bridge infrastructure (now part of Stripe), SpaceX converts Starlink revenue from various countries into stablecoins to move into its main treasury. This helps the company avoid exchange-rate risk and the slow wire transfers common in countries with limited dollar access.

Visa also officially launched USDC stablecoin settlement in the United States in December 2025, specifically for institutional fund movement rather than consumer card payments (Visa, 2025). By April 2026, Visa’s annualized crypto settlement run rate had risen to about $7 billion, up 50% from the prior quarter as it expanded to nine blockchains (CoinDesk, 2026).

Additionally, according to a Fireblocks survey, 49% of financial institutions are already using stablecoins, another 23% are in the pilot/testing phase, 18% are in the planning stage, and 10% have not made a decision. In terms of adoption, this shows that stablecoin payments are in high demand.

The Future Outlook for B2B Crypto

Several research firms have mapped the growth trajectory:

• Juniper Research: cross-border B2B stablecoin transactions are projected to rise from $13.4 billion in 2026 to $5 trillion by 2035, with about 85% of stablecoin value coming from cross-border B2B (CoinDesk, 2026).
• EY-Parthenon: 5% to 10% of global cross-border payments could use stablecoins by 2030, equivalent to $2.1 trillion to $4.2 trillion per year (EY, 2025).
• Citi: stablecoin market capitalization is projected to reach $1.9 trillion in a base case and up to $4 trillion in an optimistic case by 2030 (CoinDesk, 2025).

The Position of B2B Crypto in Indonesia for Businesses

1. Regulatory Status

In Indonesia, crypto including stablecoins is regulated as an investment asset traded on platforms licensed by the Financial Services Authority (Otoritas Jasa Keuangan, OJK), not as a means of payment. Bank Indonesia affirms that the Rupiah is the only legal means of payment within Indonesia, so using crypto to pay for goods and services is not permitted. This means the cross-border B2B payment use cases above apply only in markets that allow them.

2. How Businesses Can Access Crypto Legally

Although it cannot be used as a means of payment, businesses in Indonesia can still gain exposure to digital assets through legal channels. This is done through OJK-licensed platforms that let companies buy, hold, and manage crypto assets as part of a treasury or diversification strategy. This is where institutions and companies can participate in a regulated way, from custody needs to digital-asset exposure. Supervision of crypto assets has moved from Bappebti to the OJK, with the transition completed on January 20, 2026, and 22.40 million crypto accounts recorded as of May 2026, up 3.17% from the previous month (OJK).

For a full picture of the legal framework, read A Complete Guide to Crypto Asset Regulation in Indonesia 2026 on Pintu Academy.

Opportunities and Risks to Understand

Behind the significant growth potential, there are risks businesses still need to read honestly. Here are several things to watch:

• Regulatory risk: rules differ by country and can still change, such as the ban on crypto as a means of payment in Indonesia.
• Depeg risk: a stablecoin can lose its peg under various pressures, so choosing a credible issuer is essential.
• Custody and compliance risk: holding and moving digital assets demands strong security systems and strict anti-money-laundering compliance.

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Conclusion

Crypto use in the B2B sector is now one of the most mature real-world applications of crypto, and adoption levels prove it. The main drivers are lower costs and faster settlement for cross-border transactions. For companies in Indonesia, the best approach is to understand this trend as a picture of the global direction of finance, then take exposure through OJK-regulated channels. That way, businesses can benefit from digital assets without stepping outside the applicable legal framework.

Disclaimer

Crypto investment carries high risk. Investment decisions are the user’s responsibility. This content is not an invitation to buy or sell crypto. PT Pintu Kemana Saja is licensed and supervised by the Financial Services Authority (Otoritas Jasa Keuangan). All information presented in this article is prepared for educational and general informational purposes. It is not intended as investment advice, a recommendation, an invitation to buy or sell any particular crypto asset, or a basis for financial decision-making. Every investment decision is entirely the reader’s responsibility, taking into account their own financial condition, investment goals, and risk tolerance.

FAQ

What is a B2B use case in crypto?

A B2B crypto use case is the use of crypto assets, almost always stablecoins, for transactions between one business and another. The most common examples are paying suppliers abroad and moving cash between company entities across borders.

Why do businesses use stablecoins rather than Bitcoin?

Because a stablecoin’s value is pegged to a currency such as the US dollar, its price is stable and suitable for payments. Bitcoin’s price swings sharply, which makes it impractical for paying a fixed amount.

Can businesses in Indonesia pay with crypto?

No. Bank Indonesia designates the Rupiah as the only legal means of payment, and crypto including stablecoins is regulated as an investment asset under the OJK. In Indonesia, crypto may be traded and invested through licensed platforms such as Pintu, but not used to pay for goods and services.

How can businesses in Indonesia gain crypto exposure legally?

Companies can buy, hold, and manage crypto assets through platforms licensed and supervised by the OJK, such as Pintu. For enterprise-scale needs such as treasury, custody, and digital-asset exposure, institutional services like Pintu Institutional provide regulated access.

What are the main risks of crypto for business?

The main risks are differences in regulation across countries, the possibility of a stablecoin losing its peg (depeg), and the demands of custody security and anti-money-laundering compliance.

Accessing Crypto for Business through Pintu Institutional

For companies in Indonesia that want to enter digital assets legally and under regulation, Pintu Institutional offers institutional-grade infrastructure: high liquidity, fast order execution, regulated custody at PT Kustodian Koin Indonesia (ICC), 24/7 treasury management, and dedicated Relationship Manager support.

The onboarding process:

1. Register and submit your company details through the form on the Pintu Institutional website.
2. Complete verification and company compliance documents.
3. Make your first deposit, then start investing through Pintu Pro with support from a dedicated Relationship Manager.

Learn more and talk to our team at Pintu Institutional. The consultation is secure, confidential, and free of charge.

Pintu is licensed and supervised by the Financial Services Authority (Otoritas Jasa Keuangan) & CFX.

References

• Artemis, “Stablecoin Payments From The Ground Up 2025“, Artemis Analytics, accessed July 21, 2026.
• World Bank, “Remittance Prices Worldwide Q3 2025“, The World Bank, accessed July 21, 2026.
• Olivier Acuna, “Cross-border B2B stablecoin payments to hit $5 trillion by 2035, says Juniper Research“, CoinDesk, accessed July 21, 2026.
• EY, “Stablecoins in focus: navigating the new digital financial landscape“, EY, accessed July 21, 2026.
• Fireblocks, “State of Stablecoins 2025“, Fireblocks, accessed July 21, 2026.
• Visa, “Visa Launches Stablecoin Settlement in the United States“, Visa, accessed July 21, 2026.
• Stripe, “How businesses are adopting stablecoins for payments“, Stripe, accessed July 21, 2026.
• Matt Higginson with Alec Zorrilla, Julia Madden, and Michael Kirchner, “Stablecoins in payments: what the raw transaction numbers miss“, McKinsey & Company, accessed July 21, 2026.
• Alexander Copestake, Cage Englander, Maria Soledad Martinez Peria, German Villegas-Bauer, “Stablecoins and the Future of Payments: Evidence from Financial Markets (WP/26/52)“, International Monetary Fund, March 2026.
• Visa Onchain Analytics (data by Allium), “Onchain Analytics Dashboard“, Visa, accessed July 23, 2026.
• Otoritas Jasa Keuangan (OJK), “Crypto Asset Development Data, May 2026, Financial Services Sector Assessment Press Conference”, OJK, accessed July 23, 2026.
• Krisztian Sandor, “Visa expands stablecoin settlement network as volume hits $7 billion run rate“, CoinDesk, accessed July 23, 2026.
• Ian Allison, AI Boost, “Stablecoin Market Could Reach $4 Trillion by 2030, Citi Says“, CoinDesk, accessed July 23, 2026.