Paybis Report: Crypto On-Ramps Evolve from Speculation to Institutional Infrastructure

Paybis H1 2025 report reveals a seismic shift in the crypto on-ramp landscape, with institutional activity dominating 82% of transaction volume in the first half of the year. This marks a pivotal transition from speculative retail-driven adoption to enterprise-grade infrastructure, driven by embedded treasury flows, API integrations, and compliance-ready payment rails. Institutional onboarding times have decreased by 37%, while white-label integrations now account for 19% of Paybis' total volume, up from 7% year-over-yearPaybis H1 2025 Report: Institutional Flows Dominate with 82 B2B Share While Retail Behaviour Matures^[1].

Retail behavior, meanwhile, is maturing as median transaction sizes rose to $604, reflecting increased confidence among individual users. Notably, 74% of first-time users opted for self-custody wallets like Ledger Live and Rabby, signaling a structural shift away from exchange depositsPaybis H1 2025 Report: Institutional Flows Dominate with 82 B2B Share While Retail Behaviour Matures^[1]. This trend aligns with broader industry momentum toward wallet-first adoption, where users prioritize control and security over speculative trading.

Regionally, Europe led global volume with 36%, driven by MiCA's implementation and the proliferation of real-time payment systems like SEPA Instant. The U.S. contributed 28% of volume, while Asia-Pacific accounted for 18%, with Latin America and Sub-Saharan Africa expanding rapidly due to stablecoin demand and alternative rails such as Pix and SPEIPaybis H1 2025 Report: Institutional Flows Dominate with 82 B2B Share While Retail Behaviour Matures^[1]. Real-time payment corridors are displacing card-based settlement, reshaping margins across the on-ramp ecosystemPaybis H1 2025 Report: Institutional Flows Dominate with 82 B2B Share While Retail Behaviour Matures^[1].

Paybis' institutional leadership is underscored by a stark competitive gap: while peers like Coinbase Pay (68%) and Ramp Network (61%) trail in B2B share, Paybis' 82% dominance reflects its focus on regulated infrastructure and enterprise workflows. Larger enterprise deals remain relationship-driven with limited fee compression, contrasting with pricing pressures in small-ticket retail segments where average rates dropped 22% YoYPaybis H1 2025 Report: Institutional Flows Dominate with 82 B2B Share While Retail Behaviour Matures^[1].

Regulatory clarity is accelerating adoption. In Europe, MiCA's passportable model for crypto-asset service providers has created a blueprint for cross-border compliance, while the U.S. GENIUS Act established a federal framework for stablecoins, mandating full reserve backing and transparencyPaybis H1 2025 Report: Institutional Flows Dominate with 82 B2B Share While Retail Behaviour Matures^[1]. These developments reinforce the sector's shift toward institutional-grade, FX-backed infrastructure. Paybis' CEO, Innokenty Isers, emphasized the role of real-time bank rails in replacing cards for high-value flows and the normalization of stablecoins as operating cash rather than trading assetsPaybis H1 2025 Report: Institutional Flows Dominate with 82 B2B Share While Retail Behaviour Matures^[1].

The report projects that as jurisdictions refine regulations and instant banking systems proliferate, Paybis is well-positioned to lead the next phase of crypto infrastructure. With 82% of transaction volume now institutional and 74% of retail users adopting self-custody, the on-ramp sector is evolving from a speculative interface to a regulated, programmable layer of financial infrastructurePaybis H1 2025 Report: Institutional Flows Dominate with 82 B2B Share While Retail Behaviour Matures^[1].