Canonical URL: https://elacelerador.es/en/cases-and-research/beincrypto-five-routes-to-recurring-institutional-partnership-growth/ --- description: BeInCrypto micropayment research shows why transaction counts are insufficient. Economic explanation can underpin its value to institutional readers. title: BeInCrypto: millions of payments do not establish demand image: https://elacelerador.es/images/social/v1/beincrypto-business-explaining-what-millions-payments-worth-eafb35b0c81f3e8ea836962d50f665da.jpg --- 1. [Home](https://elacelerador.es/en/) 2. [Cases and research](https://elacelerador.es/en/cases-and-research/) # BeInCrypto: the business of explaining what millions of payments are worth Its AI-agent research found 6.4 million transactions in a sample worth $119,947\. The gap between activity and money gives an institutional information offer a specific purpose. By [Marian Vasile](https://elacelerador.es/en/author/marian-vasile/) 13 October 2026 at 01:40 CEST 5 min read [ Add as preferred source ](https://www.google.com/preferences/source?q=elacelerador.es&utm%5Fsource=elacelerador.es&utm%5Fcampaign=elacelerador.es) Share [ ](https://www.linkedin.com/sharing/share-offsite/?url=https%3A%2F%2Felacelerador.es%2Fen%2Fcases-and-research%2Fbeincrypto-five-routes-to-recurring-institutional-partnership-growth%2F%3Futm%5Fsource%3Dlinkedin%26utm%5Fmedium%3Dsocial&utm%5Fsource=elacelerador.es&utm%5Fcampaign=elacelerador.es "Share on LinkedIn. 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[The unit of measurement changes the story](#article-section-the-unit-of-measurement-changes-the-story) 2. [Useful information has a specific buyer](#article-section-useful-information-has-a-specific-buyer) 3. [Independence is part of commercial value](#article-section-independence-is-part-of-commercial-value) 3 figures * [BeInCrypto x402 sample: transactions by payment size](#article-figure-1) * [Business payments account for most identified stablecoin payment value](#article-figure-2) * [Stablecoin-linked card spending rose from $582 million to $4.5 billion](#article-figure-3) 1 tables * [Useful information has a specific buyer](#article-table-1) [Download data (CSV)](https://elacelerador.es/en/download.csv?article=%2Fen%2Fcases-and-research%2Fbeincrypto-five-routes-to-recurring-institutional-partnership-growth%2F) Chart values, table cells, source references and the report revision date. In a 35-day sample of x402 payments on Base and Solana, BeInCrypto Research recorded 6.4 million transactions worth $119,947 in total. Its 7 October 2026 announcement published the figures together. For an infrastructure buyer, the gap between operation count and money transferred changes the interpretation of the market. That detail also explains an opportunity for the publisher. Institutional readers need to determine which activity warrants investment and which operation serves a commercial use. Research becomes valuable when it clarifies that distinction before money is committed. Repeating large numbers without the economic question they answer offers a weaker reason to return. ## The unit of measurement changes the story In the sample, 90.8% of transactions were worth less than one US cent. That is a share of payment count, not money moved. The remaining 9.2% cannot become a revenue share or a count of distinct buyers. The data behind the story ### BeInCrypto x402 sample: transactions by payment size Share of transaction count in the 35-day sample on Base and Solana. Monetary value is not the denominator. Transaction share % of sampled transactions Tap or hover for details. All values are also available in the data table. Expand notesCollapse notes **Source:** BeInCrypto Research announcement, October 7, 2026 9.2% is derived as 100 - 90.8\. Selected sample, not the whole market. Repeated transactions are not distinct users, confirmed demand or share of payment value. Explore the data table Scroll left or right to see all columns __BeInCrypto x402 sample: transactions by payment size (% of sampled transactions)__ | Category | Transaction share | | ---------------------- | ------------------------------ | | Below USD 0.01 | 90.8 % of sampled transactions | | Remaining transactions | 9.2 % of sampled transactions | A concentration of micropayments makes it relevant to ask which service is paid for and why payment repeats. Numerous executions can correspond to small-value tasks. Assessing a business also requires knowing who decides to repeat them, what they receive and the cost of delivery. Public transactions describe activity; they do not reveal that complete relationship on their own. The agent-payments report makes that separation a market-reading problem. Its institutional usefulness lies in framing a comparison that volume alone cannot supply: which task can support income and which conditions allow someone to buy it again. Comparison requires a defined universe. McKinsey and Artemis estimate $390 billion in identified stablecoin payments, annualised from December 2025, separating business and consumer uses. This is a filtered global estimate, distinct from the 35-day x402 sample. Adding their values or treating them as equivalent markets would erase the distinction readers need. The data behind the story ### Business payments account for most identified stablecoin payment value Estimated value by payer-recipient relationship; December 2025 activity annualised. Estimated value billion USD Tap or hover for details. All values are also available in the data table. Expand notesCollapse notes **Sources:** Statista; McKinsey: method and scope McKinsey / Artemis: global estimate annualised from December 2025 activity, not an observed full-year total. Classification relies on identified addresses and use assumptions. Excludes crypto trading and internal transfers. No survey sample. Explore the data table Scroll left or right to see all columns __Business payments account for most identified stablecoin payment value (billion USD)__ | Category | Estimated value | | -------------------- | --------------- | | Business to business | 226 billion USD | | Consumer to consumer | 77 billion USD | | Consumer to business | 76 billion USD | | Business to consumer | 11 billion USD | ## Useful information has a specific buyer A payment supplier and an institution considering a tool do not need identical explanations. The supplier may ask which integration enables small charges. The institution needs to resolve authorisation limits and the consequences of an operation. Those are different business questions even when both sit under an AI-agent label. The settlement mechanism also changes. Estimated stablecoin-linked card spending rose from $582 million in 2024 to $4.5 billion in 2025 in the Statista series based on McKinsey and Artemis. Conversion to local fiat enables payment through conventional channels. This is card spending, not issuer revenue or evidence of agent-payment adoption. The data behind the story ### Stablecoin-linked card spending rose from $582 million to $4.5 billion Worldwide estimates for 2024 and 2025; card spending converts balances to local fiat. Estimated value million USD Tap or hover for details. All values are also available in the data table. Expand notesCollapse notes **Sources:** Statista; McKinsey: method and scope Global McKinsey / Artemis estimates from identified contracts and addresses. Cards convert balances to local fiat at payment. Does not measure direct merchant stablecoin settlement, provider revenue or AI-agent payments. No survey sample. Explore the data table Scroll left or right to see all columns __Stablecoin-linked card spending rose from $582 million to $4.5 billion (million USD)__ | Category | Estimated value | | -------- | ----------------- | | 2024 | 582 million USD | | 2025 | 4,500 million USD | BeInCrypto's editorial offer becomes more precise when it identifies the decision before choosing a format. A long report earns its place if it gathers evidence readers need to compare. A shorter explanation can settle a decisive rule. More output does not automatically increase the information an institution can use. For a commercial agreement, that precision defines what the publisher supplies: an explanatory asset, a documented discussion or distribution to an audience whose relevance can be demonstrated. A later purchase of the advertised service depends on the institution's offer and follow-up. Turning it into the publisher's promise would combine different responsibilities. Scroll left or right to see all columns __Useful information has a specific buyer__ | Publisher work | Outcome requiring customer information | | ---------------------------------- | ---------------------------------------------------- | | Agreed production and distribution | Subsequent use of information inside the institution | | Response the publisher can record | Conversion of that response into a sale | | Update with new evidence | Renewal for a continuing need | Expand notesCollapse notes Recurrence needs a question that remains open. Changing authorisation conditions or new comparable data can make an update alter a decision. Repeating the same message adds production cost without explaining why the reader or partner needs another period of the agreement. ## Independence is part of commercial value The first tokenization report edition declares an independent editorial model with no commercial sponsorship. That rule defines the scope of that research. Selling a collaboration requires preserving the distinction between funding distribution or production and purchasing a conclusion. The tension has an economic consequence: the customer can prefer a favourable message while the professional reader needs the condition limiting its use. Removing that condition can make an asset more comfortable for the sponsor and less useful for its recipient. Credibility depends on retaining information that changes the decision. The publisher demonstrates that discipline in its micropayment analysis by placing transferred value beside transaction count. Its strongest institutional growth rests on explaining what a figure permits a reader to conclude. Each new agreement needs to preserve a reason for the reader to trust the next investigation. [Back to top ↑](#article-top) ## In this article ### Sources and documents * [BeInCrypto Research: 7 October 2026 announcement](https://beincrypto.com/beincrypto-launches-the-state-of-ai-agent-payments-2026-report-at-token2049-singapore/?utm%5Fsource=elacelerador.es&utm%5Fcampaign=elacelerador.es) · beincrypto.com * [BeInCrypto: AI-agent payments report](https://research.beincrypto.com/agentic-payments-2026?utm%5Fsource=elacelerador.es&utm%5Fcampaign=elacelerador.es) · research.beincrypto.com * [BeInCrypto: tokenization research and editorial model](https://research.beincrypto.com/tokenization-2026-report-first-edition?utm%5Fsource=elacelerador.es&utm%5Fcampaign=elacelerador.es) · research.beincrypto.com * Statista * [McKinsey: method and scope](https://www.mckinsey.com/industries/financial-services/our-insights/stablecoins-in-payments-what-the-raw-transaction-numbers-miss?utm%5Fsource=elacelerador.es&utm%5Fcampaign=elacelerador.es) · McKinsey Share [ ](https://www.linkedin.com/sharing/share-offsite/?url=https%3A%2F%2Felacelerador.es%2Fen%2Fcases-and-research%2Fbeincrypto-five-routes-to-recurring-institutional-partnership-growth%2F%3Futm%5Fsource%3Dlinkedin%26utm%5Fmedium%3Dsocial&utm%5Fsource=elacelerador.es&utm%5Fcampaign=elacelerador.es "Share on LinkedIn. 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His work spans product marketing, SEO, paid advertising and deep online tracking, including behavioral analytics and attribution. ## Related articles [Cases and research](https://elacelerador.es/en/cases-and-research/) Analysis ### [SHIELD: a coupon’s cost depends on who claims it again](https://elacelerador.es/en/cases-and-research/shield-coupon-cost-accounts-legitimate-customers/) [Marian Vasile](https://elacelerador.es/en/author/marian-vasile/) 17 October 2026 6 min [Cases and research](https://elacelerador.es/en/cases-and-research/) Analysis ### [Safeguard Global: the calculator pricing two routes to expansion](https://elacelerador.es/en/cases-and-research/safeguard-global-calculator-eor-entity-expansion-cost/) [Marian Vasile](https://elacelerador.es/en/author/marian-vasile/) 17 October 2026 6 min [Cases and research](https://elacelerador.es/en/cases-and-research/) Analysis ### [AIOS and Bolt: a three-minute promise needs to explain the review that follows](https://elacelerador.es/en/cases-and-research/aios-bolt-consultation-approval-conversion/) [Marian Vasile](https://elacelerador.es/en/author/marian-vasile/) 17 October 2026 5 min **In this report** 1. [The unit of measurement changes the story](#article-section-the-unit-of-measurement-changes-the-story) 2. [Useful information has a specific buyer](#article-section-useful-information-has-a-specific-buyer) 3. [Independence is part of commercial value](#article-section-independence-is-part-of-commercial-value) [Download data (CSV)](https://elacelerador.es/en/download.csv?article=%2Fen%2Fcases-and-research%2Fbeincrypto-five-routes-to-recurring-institutional-partnership-growth%2F) [Back to top ↑](#article-top) ## Related articles [Cases and research](https://elacelerador.es/en/cases-and-research/) Analysis ### [SHIELD: a coupon’s cost depends on who claims it again](https://elacelerador.es/en/cases-and-research/shield-coupon-cost-accounts-legitimate-customers/) [Marian Vasile](https://elacelerador.es/en/author/marian-vasile/) 17 October 2026 6 min [Cases and research](https://elacelerador.es/en/cases-and-research/) Analysis ### [Safeguard Global: the calculator pricing two routes to expansion](https://elacelerador.es/en/cases-and-research/safeguard-global-calculator-eor-entity-expansion-cost/) [Marian Vasile](https://elacelerador.es/en/author/marian-vasile/) 17 October 2026 6 min [Cases and research](https://elacelerador.es/en/cases-and-research/) Analysis ### [AIOS and Bolt: a three-minute promise needs to explain the review that follows](https://elacelerador.es/en/cases-and-research/aios-bolt-consultation-approval-conversion/) [Marian Vasile](https://elacelerador.es/en/author/marian-vasile/) 17 October 2026 5 min ```json {"@context":"https://schema.org","@graph":[{"@type":["Organization","NewsMediaOrganization"],"@id":"https://elacelerador.es/#publisher","name":"El Acelerador","url":"https://elacelerador.es/","description":"Marketing and growth hacking with examples from Spanish companies.","email":"pr@elacelerador.es","publishingPrinciples":"https://elacelerador.es/en/editorial-policy/","correctionsPolicy":"https://elacelerador.es/en/editorial-policy/","verificationFactCheckingPolicy":"https://elacelerador.es/en/editorial-policy/","masthead":"https://elacelerador.es/en/about/","ownershipFundingInfo":"https://elacelerador.es/en/about/","logo":{"@type":"ImageObject","url":"https://elacelerador.es/icon-512.png?v=20261017-stacked"}},{"@type":"Person","@id":"https://elacelerador.es/author/marian-vasile/#person","name":"Marian Vasile","url":"https://elacelerador.es/en/author/marian-vasile/","description":"Marian Vasile is a MarTech and growth professional. 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