This week, Fortune reported that Apple, Elon Musk's X, Airbnb, and Google have held preliminary discussions with cryptocurrency companies to integrate stablecoins into their payment systems.

Stablecoin: Shaping the future of digital payments

Stablecoins are on track to create significant changes in the digital payments space. In 2024, venture capital funds poured more than $1.5 billion into stablecoin startups, an increase of 80% compared to the previous year. If each company integrates just one dollar-pegged token, trillions of dollars could be transferred through blockchain platforms.

Stablecoins emerge as a 'breakthrough application'

For years, the cryptocurrency industry has sought a breakthrough application to penetrate the mainstream finance sector. Stablecoins—digital tokens pegged to the US dollar—are now emerging as a potential application. As of June 2025, US dollar-pegged stablecoins like USDC and Tether (USDT) accounted for over $200 billion in total circulating supply.

These tokens have the potential to conduct cross-border money transfers in just a few seconds at a very low cost, just a few cents per transaction, compared to the 1-3% fees charged by traditional networks.

The involvement of tech giants

The involvement of major tech companies signals an important shift. Apple has processed over $2 trillion in payments through Apple Pay, giving them the scale to experiment with blockchain systems.

According to sources, X is discussing support for stablecoins with Stripe. Meanwhile, Google Cloud has accepted two PYUSD payments from customers this month, setting a precedent for cloud-based invoicing in cryptocurrency, according to Fortune.

The first steps of major tech companies in the cryptocurrency world

Since January, Apple has held closed-door meetings with Circle to explore the possibility of integrating USDC. A source indicated that Matt Cavin, Senior Director of Strategic Partnerships at Circle, has participated in these discussions.

Elon Musk's X has revived conversations about cryptocurrency after pausing NFT projects in 2023. Sources indicate that X has met with Stripe to discuss stablecoin systems for X Money.

The growth momentum of stablecoins has increased after Stripe acquired Bridge for an undisclosed amount. Bridge's technology allows for real-time minting and payment of stablecoins.

This acquisition has sparked 'millions of dollars in venture capital' for similar projects, according to Chris Ahn, a partner at Haun Ventures, speaking to Fortune.

Regulatory changes

Under an executive order from the Trump administration, federal agencies must 'develop a framework to reduce unnecessary barriers to responsible innovation' in the digital asset space. This signaled to major tech companies that regulatory compliance for stablecoins is feasible. The GENIUS bill, currently under consideration, would establish regulations on capital, reserves, and audits for US dollar-pegged stablecoins. Industry experts believe passing this bill could accelerate the integration process.

Banks and fintechs have used stablecoins to reduce cross-border money transfer costs by over 70%. Major tech companies could save billions of dollars.

For Airbnb, a company that processes hundreds of billions of dollars in bookings annually, a 1% reduction in transaction fees equates to $1 billion in savings.

According to sources, Airbnb has been discussing stablecoins with Worldpay since January. Worldpay's recent partnership with stablecoin infrastructure company BNVK allows them to process payments for Airbnb via USDC or USDT.

Challenges for tech giants

However, tech giants are facing challenges. Tether's USDT, which holds 60% of the stablecoin market share, is under ongoing compliance scrutiny.

The issuer of USDC, Circle, recently completed an IPO, but is facing ownership difficulties. PayPal's PYUSD still has low acceptance despite partnering with Paxos.

A source from Fortune indicated that several major tech companies may be considering issuing their own stablecoins, although proposals from the Senate are seeking to limit corporate-issued tokens.

Future prospects

Fortune's report confirms that all current discussions are at a preliminary stage. There is no guarantee that any of these companies will launch stablecoin features before the end of the year.

Companies like Meta and Uber have also expressed interest during the 'research phase', according to Uber CEO Dara Khosrowshahi at a Bloomberg conference on May 25, 2025.

Currently, it is clear that stablecoins have surpassed the acceptance threshold. From $40 billion in total supply at the beginning of 2021 to $210 billion, their growth has outpaced almost every sub-sector in the cryptocurrency industry. As Apple, X, and Google consider integration, the question shifts from 'if' to 'when.'



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