In 2025, PayFi is emerging as the next frontier in crypto, signaling a major pivot from hype to utility. Exchanges like Bitget are shifting focus to real-world blockchain solutions, while institutions embrace PayFi’s promise of capital efficiency through innovations like interest-based spending without touching principal assets.
Institutional momentum is undeniable—83% plan to boost crypto exposure this year, with over half allocating more than 5% of their portfolios. With 84% now exploring stablecoins for yield and FX, and growing altcoin adoption, crypto is rapidly evolving into a foundational layer of global finance.