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Artificial intelligence and crypto payments are set to drive significant adoption in 2025, reshaping how users engage with blockchain technology.
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A recent survey by Reown and YouGov highlights that 37% of active crypto users identify AI and payments as the primary catalysts for mainstream crypto integration.
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Reown CEO Jess Houlgrave emphasized to COINOTAG that these technologies address different but complementary challenges in making crypto more practical and user-friendly.
AI and crypto payments emerge as key drivers for 2025 adoption, with stablecoins surpassing Solana in ownership, signaling evolving user preferences.
AI and Crypto Payments: Complementary Forces Driving Adoption in 2025
The intersection of artificial intelligence and crypto payments is creating a powerful synergy that addresses fundamental barriers to widespread blockchain adoption. According to Reown CEO Jess Houlgrave, payments provide the essential real-world utility that users demand, while AI enhances the overall experience by improving personalization, fraud detection, and customer support. This dual approach not only increases user trust but also streamlines developer workflows through automation and faster onboarding processes.
As crypto payments transition from experimental to essential infrastructure, use cases such as remittances and gig economy payouts are demonstrating tangible value. This evolution marks a shift from crypto being a speculative asset to becoming a practical financial tool, fostering confidence among both users and businesses.
Payments Outpacing Traditional DeFi Use Cases
Survey data reveals that 34% of participants actively engage in crypto payments, surpassing traditional decentralized finance activities like farming and staking. While trading remains the most popular onchain activity at 36%, payments have risen to become the second-most enjoyed, with 10% of respondents highlighting their enthusiasm for this use case. This trend underscores a growing recognition of crypto’s potential to facilitate seamless, borderless transactions in everyday life.
Houlgrave noted that the original vision of Bitcoin as a peer-to-peer electronic cash system is increasingly being realized through these payment innovations, supported by stablecoins and embedded finance solutions.
Stablecoins Gain Traction, Surpassing Solana in Ownership
The survey also sheds light on shifting crypto asset ownership patterns. Bitcoin and Ether remain dominant, owned by 63% and 48% of respondents respectively. However, stablecoins have seen a notable rise, now held by 38% of participants, edging past Solana’s 37% ownership. This shift reflects growing demand for stable, reliable digital assets that facilitate payments and reduce volatility risks.
Demographic analysis indicates that stablecoin adoption is particularly strong among younger users aged 18 to 34, with 51% ownership in this group, while adoption among older users remains comparatively lower. This generational divide highlights the importance of developing user experiences that cater to diverse preferences and technical proficiencies.
Implications for Multichain User Experience and Crypto Ecosystem Growth
Reown emphasizes the increasing necessity for embedded, multichain user experiences that allow seamless transactions across wallets and exchanges. As users hold assets on various platforms, the ability to transact fluidly without switching environments becomes critical for sustained growth. This demand is driving innovation in wallet interoperability and cross-chain payment solutions, positioning the crypto ecosystem for broader adoption.
Industry leaders anticipate that as these technologies mature, they will unlock new opportunities for embedded finance, decentralized applications, and real-world use cases, further solidifying crypto’s role in the global financial landscape.
Conclusion
The convergence of artificial intelligence and crypto payments is poised to be a defining factor in the next phase of blockchain adoption. By addressing usability and trust challenges, these technologies are transforming crypto from a niche investment into a practical financial infrastructure. Stablecoins’ rising popularity and the emphasis on multichain user experiences further indicate a maturing market ready for mainstream integration. Stakeholders should monitor these trends closely to capitalize on emerging opportunities and drive sustainable growth in the crypto sector.
