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The average transaction size on Visa is just $45. 🧾
That number turns out to be an elegant heuristic when analyzing stablecoin activity on-chain. Here’s what we found with Visa x Allium’s new dashboard update: 🧵
2/
We defined “retail-sized” payments as anything between $0–$250 — the kind of stuff you’d use a Visa card for: coffee, groceries, bills.
Even though these are small in size, they dominate in frequency.
Jul 21, 2025
2/ First what does retail transaction behavior at merchants look like? Across all Visa transactions over the last 12 months (through March), the average transaction size was $45.
Most people tap for a coffee, not a car.
5/
Meanwhile, USDC shows up more in enterprise use cases:
•B2B payments
•HFT
•Institutional settlement
📊 65% of adjusted volume is USDT
📉 But only 40% of unadjusted volume is USDT → points to USDC dominance in big transfers.
7/
So what’s the takeaway?
Stablecoin “retail” is tiny in value, massive in volume.
It mirrors what we see in traditional consumer payments — lots of small transactions that flow through many intermediaries.
podcast here:
Jul 21, 2025
🚨 Ep. 40 of @TokenizedPod: Every Bank Announced It’s Stablecoin Strategy
@cuysheffield is joined by:
➡️ @ethanyish, Co-Founder and CEO @AlliumLabs
➡️ @nlevine19, Data and Strategy @Visa
To discuss:
⛓️ Visa's approach to on-chain data and analytics
🪙 Retail payment analysis using stablecoins under $250
🥊 Differences between USDT and USDC usage in retail payments
👛 Coinbase Wallet evolution into the Base App with social features
🛠️ Future of crypto applications built on self-custodial wallets
🏦 Citi's focus on tokenized deposits and fiat services for stablecoins
🔒 Privacy and interoperability challenges with tokenized deposits
***
Timestamps:
00:00 Introduction
01:12 Visa's approach to on-chain data and analytics
04:53 Retail payment analysis using stablecoins under $250
09:21 Differences between USDT and USDC usage in retail payments
13:06 Coinbase Wallet evolution into the Base App with social features
17:25 Future of crypto applications built on self-custodial wallets
21:30 Content coins vs. NFTs and their role in social engagement
25:22 Citi's focus on tokenized deposits and fiat services for stablecoins
30:06 Privacy and interoperability challenges with tokenized deposits
32:48 Public vs. permissioned blockchains for tokenized deposits
***
👉𝘚𝘦𝘢𝘳𝘤𝘩 '𝘛𝘰𝘬𝘦𝘯𝘪𝘻𝘦𝘥 𝘗𝘰𝘥𝘤𝘢𝘴𝘵' 𝘖𝘯 𝘠𝘰𝘶𝘛𝘶𝘣𝘦. 𝘈𝘱𝘱𝘭𝘦, 𝘚𝘱𝘰𝘵𝘪𝘧𝘺 𝘰𝘳 𝘢𝘯𝘺 𝘗𝘰𝘥𝘤𝘢𝘴𝘵 𝘗𝘭𝘢𝘺𝘦𝘳! 👈
And also, goes without saying, thank you to @cuysheffield and @nlevine19!
@cuysheffield @nlevine19 well, a better formatted link:
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