The regulatory framework for crypto assets in the United States is finally coming of age, with the GENIUS Act having established a regulatory framework for stablecoin operations.

Meanwhile, the CLARITY Act, which aims to settle the debate over which digital assets fall under securities and which under commodities, is currently working its way through the US Senate.

But even as these crypto rules come into effect, one fundamental question remains: who owns the last mile of crypto commerce? 

As Oobit CEO Amram Adar argued in a recent CCN opinion piece, that question will be decided by infrastructure, not legislation.

Our first months of US data since our December 2025 debut offer an early look at what that infrastructure is already producing at the checkout counter.

Everyday spend dominates Oobit’s usage in the US

One of the most intriguing signals is that Americans are no longer treating crypto as an experiment, but as a practical, everyday payment method.

Restaurants account for 16% of all transactions, fast food and coffee another 16%, gas stations 13%, and grocery stores 8%. This translates to 53% of all transactions falling within everyday spend categories.

Digital gaming platforms are the outlier worth noting, they only account for 6% of the transactions, but 28% of the total payment volume.

The ratio points to a distinct cohort spending meaningfully more per transaction than the average food-and-fuel user.

Florida’s data in particular reflects this, with the state’s average transaction running 38% higher than California’s and its spend profile skewed heavily towards digital platforms. 

Stablecoin payments account for the larger share 

In the EU six-month report published in March 2025, Tether’s USDT stablecoin accounted for 92% of all crypto payments made through the platform. 

The US landscape is more distributed. Stablecoins still lead at 64% of the payment volume, with USDT at 42% and USDC at 22%. ETH, SOL, and BTC together account for the remaining 36%.

As for the number of transactions, USDT makes up 33%, USDC 17%, ETH 19%, SOL 9%, and BTC 12%. 

Deposits further reveal a more intriguing detail: users are loading the app primarily with BTC (44.7%), XRP (14%), and ETH (13%), but mainly using stablecoins (USDT and USDC) at the point of payment.

This trend mirrors the broader growth in the stablecoin market, with analysis from McKinsey and Artemis estimating $390 billion in annual stablecoin payment volumes.

California, Florida, and Texas are the most active states 

Three states account for 77% of the US volume, with each telling a different story.

California leads the pack at 36% with the most diversified spend profile across dining, grocery, retail, hotels, and digital.

Florida contributes 31% with higher average transaction sizes and a skew toward digital platforms.

Texas, at 10% of volume, has the strongest everyday-spend profile, including food, gas, and coffee.

State-level chain preference data is not yet meaningful, given that the cohort is still early. 

Growth since launch

The growth rate puts into perspective all the data captured in Oobit’s first months of operation in the US.

Since launch, transactions are up 260%, while users are averaging a spend of $804 per month. 

DePay wallet activity remains early-stage in the US, with XRP and Solana showing cleaner completion rates at this point.

Arbitrum launched recently, too early to draw conclusions, while crypto-to-bank has yet to register any US activity.

Looking ahead 

“Expanding our payment rails into New York is a massive milestone for Oobit, unlocking one of the world’s most critical financial hubs,” said Amram Adar, CEO of Oobit.

“Legislation is setting the guardrails, but infrastructure is what ultimately decides who owns the last mile of crypto commerce. By enabling New Yorkers to use their digital assets for everyday purchases right at the checkout counter, we are proving that crypto is no longer just a speculative asset, but a practical, invisible tool for daily life.”

Where the EU report showed a market shaped by regulatory tailwinds, the US data tells a different story. One driven by infrastructure meeting latent demand.

The rules are still being written in Washington, but the market has already moved at the checkout counter. 

Oobit’s LATAM expansion tells a similar story, with Brazil recording a 202% activity growth since launch, while the average spend and transactions per user per month stand at $400.

Everyday spend also dominates activity in LATAM: grocery stores (35%), restaurants (8.8%), department stores (5.3%), and fast food (4.1%). 

Going by the data across three continents, it is evident that crypto is no longer being held in anticipation of future utility but spent on everyday life.

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