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Merchant survey 2025: Navigating the payment innovation divide

The Payments Association

53% opportunity score for cryptocurrency—the highest among all payment methods—driven by low competition and high merchant interest in future adoption. 26% of merchants describe fees as "extremely challenging", highlighting fee pressure not just as common—but acutely damaging to margins and cash flow.

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Open banking survey 2025: Insights from 500 UK SMEs

The Payments Association

Businesses cite a broad mix of motivations, from lower transaction fees and faster settlements to a lack of consumer demand. Faster funds settlement (47%) and lower transaction fees compared to cards (46%) are similarly valued. Yet across the board, no single advantage or barrier dominates.

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OpenPayd and Circle to offer fiat–stablecoin payment network

The Paypers

The arrangement will allow OpenPayd to enable its clients to convert between fiat currencies and USDC, with the goal of reducing settlement friction and enabling near real-time fund transfers. For more information about OpenPayd, please check out their detailed profile in our dedicated, industry-specific Company Database.

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PAY360 2025 unpacked: Key survey findings shaping the future of payments

The Payments Association

Their positioning suggests a stable, if slightly more specialised, interest in instant settlement capabilities and regulated digital asset integration. Real-time payments and digital currencies follow, each identified by 8% of respondents. Digital currencies have gained modest ground, increasing from 10% in 2024 to 12% in 2025.

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Finovate Global Canada: Mitigating Currency Volatility, Earning Banking Licenses, and More!

Finovate

In their report, Float pointed to legacy banking infrastructure and inefficient processes as the culprit, noting that many companies continued to patronize financial institutions that required time-consuming in-person visits and manual reviews, or long settlement times.

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Revolut reportedly exploring launch of its own stablecoin

The Paypers

According to decrypt.co, discussions have reportedly taken place with at least one firm operating in the cryptocurrency sector, although the neobank has not officially confirmed the plans. These tokens are typically pegged to the US dollar and backed by reserve assets, offering faster settlement and lower transaction fees.

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TerraPay and Paramount partner for real-time payouts

The Paypers

Additionally, the integration is set to simplify transactions, minimise settlement complexities, and increase operational efficiency for small and medium-sized enterprises (SMEs).