According to an OOBIT report, a Cryptocurrency Payments platform, 70% of cryptographic payments from the European Union, a cryptocurrency payment platform that questioned the spending habits of its users.
The report, which denominated all transactions in US dollars, showed that the average size of payments using the OOBIT application was $ 8.36, while the average deposit in the application was around $ 85. After retail and food and drinking purchases, 26% of payments went to tourism -related activities such as accommodation, travel and aviation. 1.5% went to government services and digital payments, while an additional 1.5% was made to various purchases such as health care and entertainment.
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The report notes that the increased adoption of cryptographic payments is probably due to the growing acceptance of digital assets in the EU, with increased credibility from governments adopting cryptographic legislation. However, 92% of payments came using the Stablecoin USDT (USDT), which took the turn of the Mica regulation which entered into force on December 30, 2024.
The OOBIT report completes Chainalysis data, which showed that the adoption of cryptocurrency in the center, northern and Western Europe (CNWE) increased from 44% to the other. For transactions less than $ 1 million, the region of this region has increased at a rate 2.5 times faster than that of North America.
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Micropaies, stablescoins grow cases of use of cryptography
Micropaiaments, which sometimes use stablecoins, have been an increasing use case for crypto. Progress of technology such as the Lightning network, which has enabled rapid micropaies in Bitcoin (BTC) and crypto flow cards that offer crypto expenses with “crypto back”, stimulated this adoption. As OOBIT notes in the title of his report, Crypto goes from memes to a means of exchange.
These changes have started to stimulate global adoption. In June 2024, Nubank brought the Lightning Network to 100 million Latin American customers.
In June 2023, Ibex joined Grupo Salinas to allow millions of Mexicans to pay their internet bills with Bitcoin. On March 13, 2025, Ripple obtained a Dubai license to provide cryptographic payments to the United Arab Emirates.
Then there are the stablecoins themselves like USDT and USDC de Circle (USDC). According to Defillama, Stablecoin’s market capitalization increased from $ 62.8 billion on April 1, 2021 to $ 229.6 billion on March 18, 2025, an increase in percentage of 266%.
Stablecoin market contract from April 1, 2021 to March 18, 2025. Source: Parade
These fiota cryptocurrencies are frequently used in developing countries where local currencies are devalued.
Like Arthur Azizov, CEO of B2binpay, wrote it in an opinion article in February 2025 for Cintelelegraph, Crypto payments can undergo an evolution from 2025. Some key factors to monitor are the beginnings of digital currencies of the Central Bank, which could push citizens to more decentralized options, and the network between suppliers and traditional financing companies.
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