TechFlow News, April 13: The Kansas City Federal Reserve’s latest analysis states that stablecoins are currently used primarily for cryptocurrency trading and liquidity provision within the financial ecosystem, and have not yet become mainstream payment instruments. According to the report, approximately 49% of stablecoin supply supports trading liquidity on centralized exchanges, decentralized finance (DeFi) protocols, and broader crypto infrastructure; 29% is used for wallet-to-wallet transfers or internal fund operations; and 21% remains idle—less than 1% is actually used for real-world payments. The report notes that stablecoins, designed as crypto-native tools, face limitations in cross-chain interoperability and integration with traditional financial systems, hindering their large-scale adoption for payments. Although payment processors such as Mastercard and Visa announced support for related technologies in 2026, stablecoin-based payment use cases remain in their infancy. Future development will require addressing critical challenges including interoperability, regulatory compliance, and identity verification.
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