Crypto Visa Debit Transactions Reach Record High as Stablecoins Dominate Consumer Spending

CoinZoom, a U.S.-based fintech platform, announced that cryptocurrency accounted for 60% of all CoinZoom Visa Debit Card transactions during the third quarter of 2025, representing the highest share in the company's history. This milestone underscores the growing mainstream adoption of digital currencies for everyday purchases and highlights the increasing preference for stablecoins in consumer finance.

The stablecoin Tether (USDT) emerged as the most frequently used cryptocurrency during the quarter, indicating strong consumer confidence in dollar-pegged digital assets for routine transactions. This trend aligns with broader industry movements, as every major U.S. consumer-facing wallet with wide adoption has either integrated cryptocurrency or announced plans to launch stablecoin functionality following the passage of the Genius Act. The regulatory framework has served as a catalyst for accelerated digital currency adoption across financial technology and retail ecosystems.

Consumer rewards reached unprecedented levels during this period, with customers earning an average of $78.59 in crypto rewards on their Visa spending during July 2025. This represents the highest rewards month since CoinZoom launched its international program with Visa in November 2024, demonstrating how cryptocurrency integration can enhance customer value propositions through tangible financial benefits.

The platform's global reach continues to expand, with CoinZoom Visa debit cards regularly used for cryptocurrency transactions in 45 to 50 countries monthly. Consumers are increasingly choosing digital currencies for diverse purchases ranging from morning coffee at Starbucks and fast food to more substantial acquisitions like airline tickets, travel arrangements, jewelry, and furniture. The company's international peer-to-peer payment system, ZoomMe®, supports this global ecosystem, allowing customers in 169 countries to deposit and send cash or cryptocurrency instantly without fees.

Major retail corporations are responding to this shift, with industry leaders like Amazon and Walmart exploring proprietary stablecoins to reduce cash-handling costs and strengthen customer loyalty programs. Simultaneously, several of the largest U.S. banks have jointly announced plans for a U.S. dollar-backed stablecoin initiative, signaling institutional recognition of stablecoins' potential to transform payment systems.

CoinZoom's security infrastructure supports this expanding ecosystem, with the platform maintaining U.S. registration as a Money Services Business with FinCEN and holding SOC 2 Type II Certification. These credentials demonstrate the company's commitment to safeguarding customer funds and personal information through multi-layered security approaches developed through decades of financial technology experience. Additional regulatory compliance includes registration as a Digital Currency Exchange with AUSTRAC through CoinZoom Australia PTY LTD and Virtual Asset Service Provider registration for CoinZoom Europe SIA.

The growing preference for cryptocurrency payments, particularly stablecoins, reflects evolving consumer behavior and suggests fundamental changes in how people approach financial transactions. As more consumers and businesses adopt digital currencies, platforms like CoinZoom anticipate higher transaction volumes, deeper customer engagement through growing rewards programs, and strengthened revenue streams. This transition toward cryptocurrency-dominated payment systems represents not just technological evolution but a fundamental reimagining of financial interactions in the digital age.