Bitcoin, USDC, and APIs Redefined Crypto Payments in 2025, Says Report

• Bitcoin reclaimed top payment asset at 22.1%, with Lightning leading usage; Litecoin and TRX followed in 2025.

• Stablecoin use shifted as USDC orders surged 1,264%, dominating payouts and accounting for 44.2% of stablecoin payments.

• Merchants increasingly settled in crypto, with 37.5% choosing digital assets for treasury, payouts, and cross-border operations.

Crypto payments in 2025 quietly reshaped business operations, according to CoinGate’s newly released annual report. The platform processed 1.42 million transactions globally during the year, showing how merchants used crypto beyond checkout. CoinGate said businesses increasingly relied on crypto for settlements, payouts, and treasury management across multiple regions.

**Bitcoin Regains Lead as Payment **

According to CoinGate, Bitcoin reclaimed the top position, representing 22.1% of all crypto payments in 2025. The Bitcoin network, including Lightning, ranked as the most-used payment infrastructure. Litecoin remained the third most-used payment asset, briefly becoming second during summer months, before finishing with a 14.4% share.

Meanwhile, TRX usage expanded steadily throughout the year. CoinGate data showed TRX payment share rising from 9.1% to 11.5%. On the TRON network, TRX accounted for 58.5% of all payments, after its network share climbed sharply to 80.3%. Ethereum also regained relevance, especially for stablecoin transactions.

Layer 2 networks gained traction as well. CoinGate reported growing usage across Polygon, Arbitrum, and Base, supporting lower-cost and faster payments. However, stablecoins still represented 29.8% of total payments, despite major internal shifts during the year.

**Stablecoins and Settlements **

Stablecoin composition changed notably in 2025. CoinGate reported USDC orders rose 1,264% year over year, following regulatory changes affecting USDT compliance. USDC accounted for 44.2% of all stablecoin payments and dominated payouts, representing 83.4% of executed distributions.

Merchants increasingly settled funds in crypto rather than fiat. Crypto settlements rose from 27% to 37.5%, signaling broader use of digital assets as working capital. CoinGate said 25.2% of all payments settled directly in stablecoins, up from 16.7% the previous year.

**Global Reach and Automated Crypto Payouts **

Crypto payments remained globally distributed throughout 2025. The United States led country rankings, while the Netherlands entered the top three. Nigeria stayed among the most active markets. By region, Europe accounted for the largest share, followed by North America, Asia, Africa, and South America.

Payout automation became standard practice. CoinGate reported 85% of merchants used API-based payouts. Businesses paid vendors, affiliates, and contractors mainly in USDC, Bitcoin, and Ethereum. According to CoinGate, crypto in 2025 served as a tool to receive funds, store value, and move money between businesses.