How 2025 Redefines Crypto: Institutions Drive the Shift from Speculation to Everyday Utility

The first half of 2025 has significantly reshaped what “crypto adoption” means. Once driven by individual investors chasing price swings, the landscape now prioritizes institutional use of crypto for financial infrastructure—including payments, treasury operations, and liquidity management. Paybis data demonstrates this shift: Institutional clients now represent over 63% of on-ramp activity, surpassing retail users for the first time in the company’s history. This adoption is further reflected in 82% of total Paybis volume originating from B2B transactions – companies and financial platforms integrating digital assets into their daily operations.