Ripple’s New Value 2025 survey of 1,000 finance leaders reveals that 86% are open to using stablecoins, citing faster, cheaper, and more secure transactions. LATAM and MEA lead adoption as stablecoins move from crypto hype to institutional utility.
Source / Author: Ripple Labs Inc.
Publication Date: October 2025
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Focus:
Ripple’s 2025 New Value report explores how stablecoins are transforming global finance across payments, treasury, and settlement use cases. Based on survey data from over 1,000 decision-makers in financial institutions and enterprises worldwide, the report analyzes adoption trends, regional dynamics, and business motivations behind stablecoin integration.
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Key Insights
• 86% of surveyed finance leaders are open to using stablecoins in their business operations; 33% already do so, particularly among B2B fintechs and digital asset firms.
• 98% of Middle East and Africa (MEA) and 96% of Latin America (LATAM) respondents expect stablecoins to have a major impact on business and finance within three years.
• The top three use cases are cross-border payments, alternatives to traditional banking, and trading or trade settlement.
• Active users cite speed, cost efficiency, and global reach as key benefits—settlement costs can drop to 0.01–0.02%, compared with 6.3% average remittance fees.
• Over 50% of enterprises view stablecoins as a hedge against inflation, while 70% of LATAM businesses cite market expansion and 64% of MEA respondents cite inflation protection as main drivers.
• Stablecoins outperform traditional rails in FX conversion, liquidity, and 24/7 availability, and serve as key instruments in real-world asset (RWA) tokenization, including tokenized U.S. Treasuries and onchain money market funds.
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Notable Figures
• Global stablecoin adoption openness: 86%
• RLUSD trading volume (2025): USD 3 trillion
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Analyst Take
Ripple’s New Value 2025 marks a decisive turn in how enterprises and financial institutions view stablecoins—from speculative assets to core infrastructure for payments and liquidity. The findings reinforce the notion that stablecoins are the gateway to institutional tokenization, connecting real-world assets, DeFi, and traditional finance. With RLUSD, Ripple positions itself at the intersection of compliance and utility—supporting instant settlement, FX conversion, and treasury optimization. For regulators and investors, the message is clear: stablecoins are now systemic, and the race is shifting from experimentation to scaled deployment in global finance.
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Citation:
Source: Ripple Labs Inc., “New Value: Stablecoin Trends in Business and Beyond,” October 2025. https://ripple.com/insights