Revolut Shatters Records: $1.2B in Monthly Stablecoin Transfers Signals Mainstream Crypto Surge

Forget slow wires and bank holidays—Revolut just rewired the financial rails. The neobank's latest numbers aren't just growth; they're a seismic shift in how money moves globally.

The Volume Tells the Story

December wasn't just another month. It was the month Revolut's platform processed a staggering $1.2 billion in stablecoin transfers. That figure—a record high—isn't a fluke. It's the sound of millions of users and businesses voting with their wallets, choosing digital dollar-pegged assets over traditional, clunky cross-border payments. This isn't niche activity anymore; it's becoming the default for a significant slice of international commerce and remittance.

Why Stablecoins? Speed, Cost, Control.

The appeal cuts through the usual finance fog. Stablecoins bypass correspondent banking delays, slash fees that used to be a cost of doing business, and operate on a 24/7 schedule the legacy system can't match. For freelancers, SMEs, and digital natives, it's a no-brainer. The record volume suggests the secret's out: you don't need a traditional bank to move value at the speed of the internet.

The Bigger Picture: A Quiet Revolution

This milestone is a leading indicator. When a regulated, mainstream-facing platform like Revolut sees this level of adoption, it validates the entire utility thesis for crypto assets. It's no longer speculation driving growth—it's pure, pragmatic utility. The rails are being rebuilt, and they're being used at a billion-dollar scale. Watch for other fintechs and even traditional banks to scramble and offer similar pipelines, lest they get left holding the bag of slow, expensive legacy tech.

The old guard might dismiss it as a trend, but you can't argue with a $1.2 billion ledger entry. Sometimes, the most profound revolutions in finance begin not with a bang on the trading floor, but with a silent, seamless transfer that just works—and costs a fraction of what the suits in Canary Wharf or Wall Street would charge.

For Revolut, the share of stablecoins may expand from 0.315% to around 0.58%, based on analyst estimates. Revolut has been active in adopting new stablecoin rails, adding Polygon and Solana at the end of 2025.  

Revolut added stablecoins in 2024 through RevolutX and Revolut Ramp in partnership with Metamask. The exact stablecoin growth for 2025 will be estimated in the coming months, after the data is collected.

Revolut monthly stablecoin volume expanded in 2025 

In the past year, Revolut saw a rising trend in monthly stablecoin volumes. Starting at around $600M per month, by December the app reached a record of $1.2B in total transfers. 

While this score remains lower compared to DeFi and exchange apps, Revolut is showing a steady growth rate. 

Over time, the mix of stablecoins also became more diverse. Overall, Revolut reflects the general usage of Ethereum and TRON for stablecoin transfers, but has also expanded the influence of Avalanche and Solana. 

Revolut also boosted stablecoin usage by introducing 1:1 exchange rates since November 2025. This means any user can MOVE between USD and stablecoins with no losses or minor fluctuations against the $1 peg. 

Revolut is mostly used for retail payments of $1 to $500, although bigger transfers are also happening. 

Revolut continues stablecoin trend in 2026

Stablecoin transfers reached a total of over $10B in 2025, with over $15B as of January 2026. The strong upward trend remains, suggesting stablecoins may be a good fit for the fintech app. 

One of the drivers for stablecoin expansion in the new year will be Polygon’s Open Money Stack. The chain’s team is directly targeting fintech services, including Stripe and Revolut. With the latest tech, Polygon positions itself as a utility network to include cheaper transactions and even on-chain yield. 

Polygon aims to offer institutional-grade payments, mixing well with Revolut’s already official regulated status. The fintech app, which is already growing on the European market, has an advantage over other neobanks as a first mover with significant crypto exposure. 

Revolut operates in a competitive environment, where a new wave of crypto-based fintech apps and neobanks may launch. Some of the new apps claim to offer no-KYC access, although this WOULD disqualify them from some of the most developed markets.

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