Payments and artificial intelligence emerged as the two pillars of the adoption of cryptography in 2025, according to a report published by a partnership with the Yougov public opinion analysis company.
The study, which interviewed more than 1,000 active crypto users across the United States and the United Kingdom, has shown that intelligence and artificial payments were cited as key engines of adoption by 37% of respondents.
Cryptographic payments have experienced significant growth from one year to the next, with 34% of the participants in the survey reporting an active commitment. The report indicates that this goes beyond the traditional use cases of decentralized finances (DEFI) such as agriculture and stake, although it always follows trading.
The report indicates that 27% of the participants highlighted payments like ONCHAIN’s experience which will become dominant over the next three to five years. This reported confidence in crypto’s ability to support the usefulness of the real world.
Crypto payments and AI solve different layers of the same problem
The CEO of return, Jess Houlgrave, told Cintelegraph that payments and artificial intelligence solve different layers of the same problem: how to make cryptography useful, reliable and intuitive.
“They are distinct but complementary,” said Houlgrave at Cointelegraph. “Payments provide real request. AI improves experience. We do not see one moving the other. ”
Houlgrave said AI helps improve user experience and developer productivity.
She told Cointtelegraph that AI improved the personalization, detection and support of fraud. On the other hand, it accelerates the integration, audit and automation of developers.
She said adoption increases because payments finally become usable. Houlgrave said real use cases such as funding and concert payments mean that payments are no longer “no longer just a cryptographic demo”, but are now “real infrastructures”.
In May, Mercuryo CEO Petr Kozyakov told Cintelegraph that more companies settled employees’ remuneration with cryptographic assets. He said that the trend is developing, and because of this, workers are looking for ways to spend their crypto directly.
Crypto trading remains “the most appreciated” of ONCHAIN’s activity
Cryptographic trading remains the most appreciated activity, according to 36% of respondents, and payments are now the second most appreciated onchain activities, with 10% of respondents. However, 14% of the participants said that payments are onchain’s activity that they are most enthusiastic about going ahead.
“Onchain’s payments are no longer a case on board,” said Houlgrave. “Sending real world funds to Stablecoin rails feed integrated finances, we are witnessing a quarter of work.”
Houlgrave said the tools finally catch up with the “use case that brought Crypto a lot in the first place”.
She said that the asset was described as an electronic cash system between peers in the original Bitcoin white paper. “World payments, without borders and without confidence were the founding vision,” added Houlgrave.
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The survey shows that stablecoins pass by property in property
In addition to payments and trade, the report also plunged into the property of cryptography. It was found that 63% of respondents had Bitcoin (BTC), while 48% had ether (ETH).
The report also noted that the possession of Stablecoin had increased to 38%, which put the stablecoins before Solana (soil), which is 37%.
Reown said that 51% of 18 to 34 years old have stablecoins, although adoption among users over 45 is considerably lower.
“The need for integrated UX, Multichain, becomes clear: users want to transform wherever they already have assets, whether it is a portfolio or an exchange,” wrote Reown.
Review: Bitcoin vs stablecoins.
