Ethereum’s Stablecoin Surge Outpaces Card Networks

Ethereum’s Q4 stablecoin volume exceeded Q3 totals early, reaching near $6T as transfer activity accelerated across the network.

Token Terminal data showed Ethereum outpacing recent Visa and Mastercard transaction volumes during the same period.

USDT and USDC drove most flows, while analysts noted a new accumulation pattern forming alongside rising settlement activity.

Ethereum recorded a sharp rise in stablecoin settlement flows in Q4 2025 as new data from Token Terminal placed transfers near six trillion dollars. This activity occurred on the Ethereum network and involved major dollar-based stablecoins. It exceeded last quarter’s levels and outpaced volumes recently reported by Visa and Mastercard, as demand rose across DeFi systems.

Stablecoin Settlement Climbs Toward 6T Dollars

Token Terminal reported that Ethereum’s Q4 stablecoin volume already surpassed Q3 totals. This increase came weeks before quarter-end, which showed how fast transfers accelerated across the network

The data also showed that Ethereum held a clear lead over the latest quarterly figures published by Visa and Mastercard. This comparison underscored how much value moved through blockchain rails as stablecoins gained traction in trading and settlement flows.

Key Tokens Drive Network Activity

USDT and USDC drove most of the settlement flow during the quarter. Other dollar-pegged assets also contributed as users shifted to on-chain transfers for liquidity needs. This pattern aligned with rising usage on decentralized exchanges and lending pools, where stablecoins support frequent movement between assets.

Analysts Track a New Accumulation Pattern

Market analysts observed a fresh accumulation trend forming as stablecoin flows climbed. They pointed to sustained buying activity around major support zones. This pattern appeared alongside the settlement surge tracked by Token Terminal and added another data point to Ethereum’s current market structure.

This trend helped connect the settlement data with broader network participation. It also positioned Q4 as one of Ethereum’s busiest periods for stablecoin movement across DeFi and exchange infrastructure.

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