Recent data from crypto payments platform Oobit reveals that American consumers are increasingly using digital assets for everyday purchases, moving beyond speculative investment. The findings, covering the first months of operations since the company’s US launch in December 2025, show that restaurants, fast food and coffee, gas stations, and grocery stores together account for 53% of all transactions.
Everyday spending categories dominate: restaurants at 16%, fast food and coffee at 16%, gas stations at 13%, and grocery stores at 8%. Digital gaming platforms, while only 6% of transactions, represent 28% of total payment volume, indicating higher per-transaction spending. Florida stands out with average transaction amounts 38% higher than California’s, and a skew toward digital platforms.
Stablecoins remain the preferred method, capturing 64% of payment volume. USDT leads with 42%, USDC follows at 22%, while ETH, SOL, and BTC combine for the remaining 36%. By transaction count, USDT (33%), USDC (17%), ETH (19%), SOL (9%), and BTC (12%) show diversified usage. Deposit patterns tell a different story: BTC accounts for 44.7% of deposits, followed by XRP at 14% and ETH at 13%, suggesting users hold major crypto as a store of value while spending stablecoins.
California contributes 36% of US volume with the most diverse spending profile. Florida at 31% has larger average transactions and digital focus, while Texas at 10% shows the strongest everyday-spend concentration. Since launch, transactions have surged 260%, with users averaging $804 in monthly spending. Oobit CEO Amram Adar said, “Expanding our payment rails into New York is a massive milestone… infrastructure is what ultimately decides who owns the last mile of crypto commerce.” Similar trends appear in Latin America, where Brazil recorded 202% activity growth and $400 average monthly spend, with groceries leading at 35% of transactions.
The data arrives as US regulation evolves—the GENIUS Act provides stablecoin frameworks and the CLARITY Act progresses on digital asset classification. Yet the usage patterns suggest adoption is being driven by infrastructure meeting latent demand, not just legislation.
