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Adoption will spike by 82.1% from 2024 to 2026—but from a very low base. This translates to only 2.6% of the population using cryptocurrency payments in 2026, affirming its status as a nascent-stage payment option.

Payment provider innovation and regulatory changes are setting a long-term growth runway for cryptocurrency payments. But providers will still need to overcome low merchant acceptance and a sense of mistrust before crypto can go mainstream.

Despite this strong momentum, crypto payments adoption won’t be immediate. We forecast crypto payment users will jump about 82% between 2024 and 2026, but in 2026, they will still only account for 2.6% of the US population.

Click here to view our full forecast for US cryptocurrency payment users. Sources. Autoweek. CBS News. CNET. IAB. KFF. Nielsen. PwC. The Budget Lab at Yale. University of Michigan.

Consumers are slowly making changes to how they pay at checkout. We look at the top seven payment methods and delve into what’s pushing forward and detracting from their growth.

The payment network is going all in on stablecoins despite limited usage. Leaning into business and commercial payments can help the crypto asset take off.

The service could help make users feel more comfortable making payments with the digital asset

This high-value deal shows Stripe’s commitment to crypto payments. Bridge’s focus on cross-border payments could help stablecoins take off

The payments giant also deepened its tie-up with Coinbase to make buying and using the asset more accessible

CBDCs are considered a more viable application of blockchain technology, bringing together the best attributes of fiat and cryptocurrencies. Mainstream usage is years away—but established payments players can start preparing for their launch now.

Uptake could be limited given the crypto market plunge

These attractive rates have supported significant user acquisition: Ualá reported new user sign-ups were 84% higher during a week in November 2023 than they were in the week in October when it hiked rates. Crypto tools. Currency devaluation is driving consumers in Latin America toward crypto.

News stories about the FTX-related convictions have been superseded by election coverage drilling down into the presidential candidates' positions on crypto. Post-election, banks should prepare for a revival of interest in crypto products.

The card program can capitalize on growing interest in crypto ownership

While meme coins don’t have a long-term future as a payment method, there is growing momentum for stablecoin crypto payments

Major payment players like PayPal and Visa that invested in them are likely celebrating this regulatory movement