Unprecedented! 1.6% of the world's GDP is quietly "cryptocized," and a "silent revolution" against traditional finance has already begun.

While the market is still debating whether $BTC is in a winter, an annual letter from a payments giant paints a different picture with data. It reveals not a speculative bubble, but that stablecoins are rapidly penetrating the global business ecosystem.

This company processes a total transaction volume of $1.9 trillion, up 34% year-over-year. This figure is equivalent to 1.6% of the global GDP, meaning that for every $100 generated in the global economy, $1.60 flows through its system. It serves over 5 million businesses, covering most leading AI companies, 90% of Dow Jones components, and 80% of Nasdaq 100 firms.

In Delaware, one in four newly registered companies is created through its services. This solid foundation gives it the confidence to expand into the crypto space against the trend.

Market analysis indicates that although $BTC prices have fallen more than half from their October 2025 high, stablecoin payment volume doubled during the same period, reaching $400 billion in 2025. Of this, up to 60% of payments are B2B transactions.

These data clearly show that stablecoin use cases have shifted from speculative trading to essential enterprise cross-border settlements and fund flows.

The company’s $1.1 billion acquisition of Bridge has seen its transaction volume grow more than fourfold after integration. It now plays a core role in enabling interoperability between fiat and cryptocurrencies, allowing corporate users to send and receive funds without additional integrations.

In April 2025, Bridge partnered with Visa to launch a stablecoin payment card. Users can spend using their stablecoin balances, which are automatically converted to fiat for settlement, with merchants unaware of the underlying crypto technology. The encrypted wallet Phantom has already issued stablecoin cards via this service.

Bridge also launched Open Issuance, enabling enterprises to quickly issue and manage their own stablecoins, significantly lowering technical and compliance barriers.

Another key acquisition, Privy, aims to solve user onboarding challenges. Its API allows companies to easily deploy user-friendly Web3 wallets without developing complex interfaces. By the end of 2025, Privy supported over 110 million programmable wallets.

The payment-focused blockchain Tempo, incubated jointly with crypto VC Paradigm, aims to address the throughput, reliability, cost predictability, and privacy issues of existing public chains. Its design supports future AI-agent-initiated transactions at millions or even billions per second.

Tempo offers dedicated payment channels, sub-second confirmation times, optional privacy, and stablecoin fee payments. Companies like Visa, Nubank, and Shopify have tested its performance. Klarna’s CEO publicly questioned crypto technology but changed his stance after experiencing Tempo; Klarna became the first bank to issue stablecoins on Tempo’s testnet.

The “agent commerce” concept is becoming reality. The company predicts that future internet transactions will mainly be conducted by AI agents. It has collaborated with OpenAI to develop an agent commerce protocol and supports the first shopping experience built into ChatGPT.

It launched a shared payment token allowing agents to initiate payments without exposing credentials. It also introduced a machine payment service, enabling developers to charge AI agents with just a few lines of code. Future plans include supporting USDC payments on Base via the x402 protocol and expanding to more protocols and blockchains.

On the same day as this annual letter, market rumors surfaced that the company is considering acquiring all or part of PayPal. In 2025, PayPal’s market cap lost nearly a third, now around $43.5 billion. Meanwhile, the company’s buyout offer to employees and shareholders values PayPal at $159 billion, up 74% from a year earlier.

Co-founder and President John Collison stated that the company currently has no plans for an IPO to avoid distracting from product and business growth. Regarding the acquisition rumors, he said PayPal has faced difficulties in recent years, with market dynamics changing due to Apple Pay and Google Pay, but he did not confirm any negotiations.

If the deal goes through, the company would gain Venmo’s consumer wallet, PayPal’s merchant relationships, and branding capabilities, significantly strengthening its consumer presence. However, the deal faces antitrust scrutiny, funding, and integration challenges.

Overall, the narrative is clear: breaking financial borders with stablecoins, lowering barriers with simple wallets, and supporting future AI-agent transactions with high-performance payment chains. The growth of Bridge’s transaction volume, Privy’s billion-wallet support, Tempo’s testnet deployment, and stablecoins’ penetration into B2B are systematically reshaping the infrastructure of the global economy.

An internet-native financial system is being built. Soon, AI agents may shop using stablecoins, cross-border payments could rely on specific blockchains, and your wallet might just be a programmable account embedded in various apps. This is not science fiction—it’s happening now.

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