Digital finance is entering a new phase. The focus is shifting from retail trading to real business use cases. Across global markets, crypto is now solving real payment problems. Companies are beginning to rely on digital assets for faster and cheaper money transfers. This marks a major step toward mainstream adoption.
Analyst and X user SMQKE recently spotlighted Coinbase’s latest earnings call. In that call, CEO Brian Armstrong confirmed a major trend. He said most cross-border payments are business-to-business transactions.
Armstrong added that this is where crypto is seeing higher adoption right now. The statement came directly from Coinbase’s Q3 2025 earnings report, revealing that institutional demand is now leading the market.
‼️LATEST COINBASE EARNINGS CALL CONFIRMS B2B CRYPTO TRANSACTIONS ARE GAINING THE MOST ADOPTION + XRP SPECIFICALLY FOCUSES ON B2B TRANSACTIONS‼️
Coinbase CEO Brian Armstrong: “But the majority of cross-border payments are really like B2B transactions, and that's the area where… pic.twitter.com/OnGP3q8gnR
— SMQKE (@SMQKEDQG) November 2, 2025
Why B2B Payments Are Driving Crypto Growth
Business-to-business (B2B) transactions dominate global payment flows. These payments often move across borders and involve large values. Traditional systems are slow and expensive, creating friction for companies.
Crypto solutions offer speed, transparency, and lower costs. Coinbase’s data confirms that enterprises are adopting crypto for these reasons. The shift from retail use to business payments marks a turning point in the industry.
How XRP Fits the B2B Model
The XRP Ledger (XRPL) was built for efficiency and scalability. It offers near-instant settlement and very low transaction fees. These features make it ideal for large corporate transfers. The Government Blockchain Association (GBA) classifies XRP/Ripple as a B2B blockchain.
It supports fiat-to-fiat and fiat-to-crypto settlements. This confirms that XRPL’s design directly meets corporate payment needs.
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Evidence of Growing Institutional Traction
Data from blockchain analytics show that XRP use has grown sharply in 2025. Corporate transactions on the XRPL have risen across Asia, Europe, and the Middle East. Businesses are using XRP for liquidity and settlement in international trade.
Integrations with stablecoins and tokenized assets are also increasing. These developments align with Coinbase’s findings on B2B crypto adoption.
The Future of Digital Payments
If this momentum continues, XRP could become central to global payment infrastructure. Coinbase’s investment in payment technology supports that vision.
The XRPL’s proven utility positions it well to serve business clients. As more companies join this trend, adoption is likely to accelerate.
The Takeaway
As SMQKE noted, Coinbase’s results prove that crypto’s real growth is now business-driven. XRP’s technology and focus give it a clear advantage in that space. With B2B adoption rising fast, the XRPL’s specific utility is gaining the most traction—on Coinbase and across global finance.
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
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