---
type: source
title: "Cross-Border B2B Stablecoin Payments to Hit $5 Trillion by 2035 — 37,000% Increase from $13.4B Today"
author: "Juniper Research via CoinDesk"
url: https://www.coindesk.com/business/2026/04/27/cross-border-b2b-stablecoin-payments-to-rise-by-over-37-000-to-usd5t-by-2035
date: 2026-04-27
domain: internet-finance
secondary_domains: []
format: research-report
status: null-result
priority: medium
tags: [stablecoin, cross-border-payments, B2B, market-size, intermediation-cost, Belief-1, attractor-state]
intake_tier: research-task
extraction_model: "anthropic/claude-sonnet-4.5"
---

## Content

Juniper Research (April 2026) projects cross-border B2B stablecoin payments will increase from $13.4 billion currently to $5 trillion by 2035 — a 37,000% increase.

**Cost comparison context (from associated research):**
- Traditional international remittances: 6.49% average cost (World Bank 2026 survey)
- Common corridors (e.g., US→Philippines, US→Colombia): 4.26% for $500 transfer
- Stablecoin alternative: near-zero on-chain + 1-3% on/off-ramp total
- Settlement speed: 400ms (Solana), 15s (Ethereum) vs. T+2 traditional

**Additional context from OCC national trust charter approvals (December 2025):**
The OCC granted conditional approvals for national trust bank charters to Circle, Paxos, Ripple, and others in December 2025, with additional approvals in early 2026. These firms will use national charters to offer GENIUS-compliant stablecoins, creating regulated on-ramp/off-ramp infrastructure.

**Stablecoin settlement interoperability (related development):**
Stablecoin settlement bringing cross-border interoperability to local RTP networks — domestic instant payment networks in multiple countries are being connected via stablecoin settlement rails, creating a new international payment layer that bypasses SWIFT/correspondent banking.

## Agent Notes

**Why this matters:** The $13.4B → $5T trajectory over 9 years represents the fastest-growing segment of cross-border payments in the research period. This is Juniper's estimate, which tends to be aggressive, but the directional signal is consistent with every other data point. More importantly, the MECHANISM is clear: stablecoins reduce the 6.49% average traditional cost to ~1-3% by eliminating correspondent banking intermediaries. This IS the 2-3% GDP intermediation cost being competed away in one specific, measurable corridor.

The $850B ICBA claim and the 37,000% Juniper growth projection are operating on opposite sides of the same phenomenon: ICBA is trying to prevent this $5T market from materializing; Juniper is projecting that it will.

**What surprised me:** The OCC national trust charter approvals for Circle, Paxos, Ripple — these are creating regulated entities (not just crypto startups) that can offer GENIUS-compliant stablecoins with full banking-equivalent oversight. This is the compliance infrastructure that makes the $5T projection plausible — it's not regulatory arbitrage, it's a regulated alternative payment rail.

**What I expected but didn't find:** Consumer (not B2B) stablecoin payment volume projections. Juniper focuses on B2B; the Meta USDC creator payment data covers the consumer/creator side.

**KB connections:**
- The blockchain coordination attractor state is programmable trust infrastructure where verifiable protocols ownership alignment and market-tested governance enable coordination that scales with complexity rather than requiring trusted intermediaries — $5T in cross-border B2B stablecoin payments is a concrete projection of the attractor state's payment rail layer materializing
- Proxy inertia is the most reliable predictor of incumbent failure because current profitability rationally discourages pursuit of viable futures — correspondent banking's 6.49% margin is the "proxy inertia" being disrupted; banks are optimizing existing infrastructure rather than building stablecoin-native rails

**Extraction hints:**
1. The 6.49% → ~1-3% cost reduction across international remittances is a direct measurement of the intermediation rent being competed away. This is the empirical foundation for Belief #1's claim about the 2-3% GDP intermediation cost. Consider a claim: "Stablecoin cross-border payments reduce international remittance costs from 6.49% (World Bank 2026 average) to 1-3% on/off-ramp total, representing the clearest operational measurement of programmable coordination's intermediation rent reduction."
2. The $13.4B → $5T projection may be too speculative for a KB claim. Archive as context; extract only the current data points and mechanism, not the 2035 forecast.

**Context:** Juniper Research is a technology market research firm. Their stablecoin projections historically run aggressive; use as directional indicator, not precise forecast. World Bank 2026 remittance cost data is more reliable for current figures.

## Curator Notes

PRIMARY CONNECTION: The blockchain coordination attractor state is programmable trust infrastructure where verifiable protocols ownership alignment and market-tested governance enable coordination that scales with complexity rather than requiring trusted intermediaries

WHY ARCHIVED: Provides quantitative cost comparison (6.49% traditional vs. 1-3% stablecoin) and market size projection ($5T by 2035) that grounds the attractor state analysis in measurable cost advantages. Pairs with Meta USDC deployment as empirical evidence of this trajectory beginning.

EXTRACTION HINT: Extractor should focus on the current cost data (6.49% traditional, 1-3% stablecoin) rather than the 2035 projection. The mechanism (eliminating correspondent banking intermediaries) is more extractable than the forecast number. Pair with Meta's deployment choice for a strong one-two evidence combination.
