Revolut Stablecoin Volume Hits $10.5B as Payment Adoption Accelerates

VADODARA, January 14, 2026 — London-based neobank Revolut processed $10.5 billion in stablecoin payments during 2025, representing a 156% year-over-year increase according to Cointelegraph data. This daily crypto analysis examines the structural implications of this liquidity event, with stablecoins now accounting for 0.583% of Revolut's total payment volume, nearly doubling their share from the previous period.

Market Context & Background

Market structure suggests this acceleration mirrors the 2021-2022 stablecoin adoption cycle, when Tether's market capitalization expanded from $20 billion to $83 billion amid DeFi summer. According to on-chain data from Glassnode, similar payment infrastructure growth preceded the 2023 institutional adoption wave that saw Bitcoin ETF volumes exceed $50 billion daily. The current expansion occurs within a neutral sentiment environment (Fear & Greed Index: 48/100), contrasting with the euphoric conditions of previous cycles. Historical comparison indicates that when payment volume growth exceeds 150% annually, it typically precedes a 6-9 month lag before broader market capitalization expansion, similar to the pattern observed after PayPal's 2020 crypto integration.

Related developments in payment infrastructure include KB Kookmin Card's hybrid payment patent testing and increasing altcoin rotation as the Altcoin Season Index hits 30.

What Happened?

According to primary data from Cointelegraph, Revolut's stablecoin payment volume reached $10.5 billion in 2025, up from approximately $4.1 billion in 2024. The share of stablecoins in Revolut's total payments increased to 0.583%, nearly doubling from the previous year's percentage. This growth occurred despite regulatory uncertainty surrounding stablecoin classification, with the European Union's Markets in Crypto-Assets (MiCA) regulation providing clearer frameworks for euro-denominated stablecoins. The Federal Reserve's research on digital dollar prototypes, as documented on FederalReserve.gov, has created parallel institutional exploration of digital payment rails.

Technical Analysis & Price Action

Volume profile analysis indicates the $10.5 billion threshold represents a significant liquidity cluster, similar to the $8.2 billion daily volume level that served as support during the 2024 consolidation phase. Bitcoin currently trades at $95,375, with the 50-day moving average at $91,200 providing dynamic support. RSI readings at 54 suggest neutral momentum, consistent with the broader Fear & Greed Index of 48/100. Market structure suggests a Fair Value Gap (FVG) exists between $92,000 and $94,000 on Bitcoin's weekly chart, potentially acting as a magnet for price action.

Bullish Invalidation Level: A break below the 200-day moving average at $87,500 would invalidate the current uptrend structure, suggesting deeper correction toward the $82,000 Fibonacci support.

Bearish Invalidation Level: Sustained trading above $98,000 with volume confirmation would negate the neutral bias, potentially triggering a gamma squeeze toward all-time highs.

By The Numbers

Why It Matters

Institutional impact analysis indicates that every $1 billion in stablecoin payment volume creates approximately $200-300 million

Community Sentiment

Market analysts on X/Twitter highlight the structural significance of the volume growth. One quantitative researcher noted, "The 156% increase suggests we're witnessing order block formation in payment infrastructure, not just speculative trading." Another analyst pointed to parallel developments in prediction markets hitting $700M daily volume as evidence of broadening use cases beyond simple transfers. Bulls emphasize the Bitmain-linked address staking $314M in ETH as complementary institutional validation.

Price Prediction / Future Outlook

Bullish Case: If stablecoin payment volume maintains 100%+ annual growth through 2026, market structure suggests Bitcoin could test the $120,000 resistance level by Q3 2026. Continued institutional adoption would create sustained demand for crypto collateral, potentially triggering a liquidity grab above $100,000. Ethereum's Pectra upgrade implementation could further reduce settlement costs, accelerating the adoption curve.

Bearish Case: Regulatory intervention targeting stablecoin issuers or a breakdown below the $87,500 Bitcoin support could trigger a 20-30% correction toward $75,000. If Revolut's growth rate decelerates below 50% in 2026, it would signal market saturation and potentially precede a broader consolidation phase similar to the 2022 bear market structure.