Paybis H1 2025 Report: Institutional Flows Dominate with 82 % B2B Share While Retail Behaviour Matures
## Cryptocurrency Market Trends: Paybis H1 2025 Report
Cryptocurrency Market Trends: Paybis H1 2025 Report
Institutional Adoption and Operational Efficiency
Institutional Transactions: Institutional transactions have surpassed retail activity, marking a significant phase in Paybis' evolution.
Corporate onboarding times have decreased by 37% , enhancing operational efficiency and user experience. White-label integrations now constitute 19% of Paybis' total volume, an increase from 7% year-over-year.
Retail Dynamics: Retail transaction sizes have increased, indicating more confident engagement.
The median transaction size rose to $604 . 74% of first-time users preferred self-custody wallets over exchanges. This shift toward wallet-first behavior reflects the maturation of retail user engagement with digital assets.
Regional Trends and Payment Infrastructure
Europe leads with approximately 36% of the global volume, showing a year-over-year growth of 129% .
Institutional Transactions: Institutional transactions have surpassed retail activity, marking a significant phase in Paybis' evolution.
The U.S. contributes 28% , increasing by 142% , while Asia-Pacific accounts for 18% with a growth of 116% . Latin America and Sub-Saharan Africa are expanding rapidly, driven by stablecoin demand and alternative payment rails like Pix and SPEI. Real-time payment systems (e.g., SEPA Instant, UPI, Pix) are replacing card-based settlements, impacting margins in the on-ramp ecosystem.
Competitive Positioning and Pricing Dynamics
Paybis leads in institutional penetration within the industry.
Paybis: 82% B2B share, operating in 29 countries. Coinbase Pay: 68% Ramp Network: 61% Transak: 58% MoonPay: 52%
Pricing pressure is more pronounced in small-ticket retail segments, with average rates down approximately 22% year-over-year. Larger enterprise deals remain driven by relationships, experiencing limited fee compression.
Paybis' H1 2025 results indicate a shift in crypto on-ramps from speculative instruments to regulated, FX-backed infrastructure for institutions. Retail adoption continues to evolve, driven by embedded treasury flows, API integrations, and compliance-ready payment systems.
With increasing regulatory clarity and the proliferation of instant banking rails, Paybis is strategically positioned to lead in the advancement of crypto infrastructure.
For more details, refer to the full H1 2025 report .
Based on reporting by TechBullion.
