Over the past few years, we’ve seen crypto payment buttons appear on websites, at cafés, and even in big-name online stores. But despite all the technical progress, one question keeps coming up:
Are people actually using crypto to pay for things?
The short answer? Yes — but it depends on who, where, and why.
In 2021, using Bitcoin or Ethereum to buy a cup of coffee felt like a gimmick. Fast forward to 2025, and things have changed. With faster networks, easier wallets, and more stable assets like USDC or GBPX, more people are paying with crypto — but often without even realising it.
Many modern wallets offer instant conversion between fiat and crypto, and platforms like MoonPay, Ramp, and Strike are bridging the gap between Web3 and Web2 seamlessly. That means customers don’t need to be crypto experts to use it — they just scan, tap, and pay.
Here are a few growing segments of crypto spenders:
Digital nomads & freelancers: Earning crypto for work and spending it directly without converting to fiat.
Emerging market users: In regions with currency instability, stablecoins offer a more reliable way to pay online or abroad.
Crypto-native consumers: People who’ve held crypto for years and now want to use it for travel, shopping, or subscriptions.
Web3 gamers and NFT users: Accustomed to using tokens and wallets in daily activity — payments are a natural next step.
Interestingly, more UK-based merchants are reporting stablecoin payments than Bitcoin or Ethereum. The volatility of legacy tokens is still a concern, but stablecoins are filling that gap with reliability and speed.
Many merchants aren’t seeing thousands of crypto transactions per month — and that’s fine. The real value lies in:
Attracting a new kind of customer
Reducing transaction fees
Offering global access with minimal friction
Gaining early mover advantage in a rapidly growing space
Even if just 1–2% of sales are in crypto, that might represent a loyal, high-value customer base. And in a competitive e-commerce landscape, that matters.
Crypto payments aren’t replacing traditional methods — they’re complementing them. Just like contactless didn’t replace cash overnight, crypto is entering the checkout stack slowly but steadily.
The key is customer choice. Some will still use Visa. Others might scan a QR code with their stablecoin wallet. The winners will be the businesses offering both.
So, are customers paying with crypto?
Not in droves. But more than you might think — and often without making a fuss about it.
As adoption increases and tools improve, crypto won’t feel like an experiment. It’ll just be another way to pay.
— ZeroHash.uk
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The Rise of Stablecoins in E-Commerce: Quietly Powering Global Payments The crypto space has always been noisy — headlines dominated by price swings, token launches, and regulatory showdowns. But beneath that noise, a quieter revolution is taking place: stablecoins are [...]