The regulatory framework for crypto assets in the United States is beginning to take shape.
However, even as regulatory clarity improves, a key question remains: who will control the final layer of crypto commerce?
In a recent CCN opinion article, Oobit CEO Amram Adar argued that the answer will be determined by infrastructure rather than legislation.
According to the company, data collected since Oobit’s US launch in December 2025 provides an early indication of how that infrastructure is already being used at the point of sale.
Americans increasingly use crypto for everyday payments
One of the more notable findings from Oobit’s US data is that consumers appear to be increasingly using crypto for everyday purchases rather than treating it as an experimental payment method.
According to the company, restaurants account for 16% of all transactions, while fast food and coffee purchases make up another 16%.
Gas stations represent 13% of transactions and grocery stores 8%, meaning that everyday spending categories account for a combined 53% of all activity.
Digital gaming platforms stand out as a separate trend. While they account for only 6% of transactions, they represent 28% of total payment volume, suggesting that users in this category spend significantly more per transaction than those making routine purchases such as food, coffee, or fuel.
The pattern is particularly evident in Florida, where average transaction values are 38% higher than in California, with spending activity more heavily concentrated on digital platforms.
Stablecoins bag the larger share
The asset mix in the United States also differs from patterns previously observed in Europe.
In Oobit’s EU six-month report published in March 2025, Tether’s USDT accounted for 92% of all crypto payments processed through the platform.
In the US, payment activity is more diversified. Stablecoins remain the largest category, representing 64% of total payment volume, with USDT accounting for 42% and USDC 22%.
Ethereum, Solana, and Bitcoin collectively make up the remaining 36% of payment volume.
Measured by transaction count rather than volume, USDT represents 33% of payments, followed by USDC at 17%, Ethereum at 19%, Solana at 9%, and Bitcoin at 12%, indicating broader usage across multiple digital assets rather than dominance by a single token.
Deposit activity reveals a different pattern from spending behavior.
According to Oobit, users primarily fund their accounts with Bitcoin, which accounts for 44.7% of deposits, followed by XRP at 14% and Ethereum at 13%.
The trend suggests that many users continue to hold major cryptocurrencies as stores of value while relying on stablecoins for day-to-day transactions.
This behavior aligns with broader developments in the stablecoin market.
Industry estimates from McKinsey and Artemis have projected annual stablecoin payment volumes of approximately $390 billion, reflecting growing use of dollar-pegged digital assets for payments and commerce.
Key details from the report
The data also highlights significant differences across US states.
California accounts for 36% of total payment volume and has the most diversified spending profile, spanning restaurants, groceries, retail, hotels, and digital services.
Florida contributes 31% of volume, with higher average transaction values and a stronger concentration of spending on digital platforms.
Texas represents 10% of volume and shows the strongest everyday-use profile, with activity concentrated in categories such as food, fuel, and coffee.
Oobit said state-level merchant preference data remains too early to draw meaningful conclusions.
Since launching in the United States, transaction volume on the platform has increased 260%, while users are averaging monthly spending of $804.
The company also noted that DePay wallet activity remains at an early stage, with XRP and Solana currently showing stronger transaction completion rates.
Arbitrum was integrated only recently, making analysis premature, while crypto-to-bank transfers have yet to record activity in the US
“Expanding our payment rails into New York is a massive milestone for Oobit, unlocking one of the world’s most critical financial hubs,” said Amram Adar, CEO of Oobit.
“Legislation is setting the guardrails, but infrastructure is what ultimately decides who owns the last mile of crypto commerce. By enabling New Yorkers to use their digital assets for everyday purchases right at the checkout counter, we are proving that crypto is no longer just a speculative asset, but a practical, invisible tool for daily life.”
The company said the findings differ from trends observed in Europe, where adoption has been more closely linked to regulatory developments.
In contrast, Oobit views the US market as being driven by infrastructure meeting existing consumer demand.
A similar pattern is emerging in Latin America. Since launch, activity in Brazil has grown 202%, with users averaging $400 in spending and transactions per month.
Everyday purchases dominate activity there as well, with grocery stores accounting for 35% of transactions, followed by restaurants (8.8%), department stores (5.3%), and fast-food outlets (4.1%).
Based on usage patterns across North America, Europe, and Latin America, Oobit said the data suggests cryptocurrencies are increasingly being used for everyday spending rather than being held solely for future utility or investment purposes.
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