Pintu Institutional Report 2026: Stablecoins As The Global Payment Rail
Most people still think of stablecoins as a trading tool. The data says otherwise. Over 2025, stablecoins moved $11.6 trillion, up 90% year over year, and more than half of all stablecoin payment value now comes from business transactions (business-to-business and consumer-to-business). The Pintu Institutional H1 2026 report maps this shift and what it means for institutions in Indonesia.
Key Takeaways
- Stablecoin transaction volume passed $11.6 trillion in 2025, up 90% year over year.
- Business-to-business and consumer-to-business payments now make up 52% of all stablecoin payments.
- In Indonesia, crypto assets including stablecoins are regulated as investment assets, not a means of payment.
The Numbers Behind the Stablecoin Shift
For years, stablecoins were synonymous with trading and investing. Yet over 2025 they moved $11.6 trillion, up 90% year over year, and 52% of their payments now come from business transactions (Allium, February 2026). Payment firms like Visa and Stripe, along with other cross-border players, are already using stablecoin infrastructure to move value.
The cost gap tells the same story. Sending money across borders through a bank costs 6.36% on average and takes three to five business days. On-chain, it costs less than $0.01 and settles in minutes (World Bank Remittance Prices Worldwide, Q3 2025).
Where Indonesia Stands in the Crypto Market
Indonesia is already one of the largest crypto markets in the world. As of April 2026 it had 21.7 million registered crypto accounts (OJK, Indonesia’s financial services regulator), and it ranks 7th globally for crypto adoption (Chainalysis, 2025). Crypto transaction value reached Rp482.23 trillion over 2025 (OJK, 2025).
The difference from many overseas markets is that crypto assets, including stablecoins, are already regulated here as investment assets traded on OJK-licensed venues. The report explains that framework, including the handover of supervision from Bappebti (the former commodity futures regulator) to OJK, completed on 20 January 2026.
Download the Full Pintu Institutional 2026 Report
The Pintu Institutional H1 2026 report maps where institutions can take part legally and under regulation, from treasury needs to digital-asset exposure.
Download the full Pintu Institutional H1 2026 report here: https://tally.so/r/Y5yOKN
This article is for educational purposes only and does not constitute investment advice. Crypto asset prices are volatile and subject to change. Always do your own research (DYOR) before investing.
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