Bank of Italy research finds stablecoin remittances aren't always cheaper, with fees, FX spreads and banking rails eroding cost advantages
Coindesk •
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Promote with Leviathan NewsStablecoin payment adoption is smaller than raw volume makes it look: [the Bank of Italy estimates](https://www.bancaditalia.it/pubblicazioni/interventi-direttorio/int-dir-2026/20260420-angelini/index.html) annual real-economy payments at $400B-$1.3T, against $26T-$35T in total activity. Raw USDT/USDC volume is a junk payments KPI: under those figures, crypto-native activity accounts for at least $24.7T.
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