Stablecoin usage is shifting from on-chain trading platforms to off-chain payments. Data shows a 21% increase in stablecoin transaction volume, reaching $625 billion in February 2025, with growing adoption in payments. Businesses are integrating stablecoin rails for faster, borderless transactions, particularly for remittances and cross-border disbursements. Over 50% of P2P transactions in the last 30 days were settled using stablecoins, indicating a trend toward retail and institutional use for payments. While trading still accounts for roughly 50% of stablecoin value, their role in off-chain payments is expanding due to 24/7 settlement and cost efficiency.