US merchants crypto adoption hits 39% as Remittix launches PayFi

A new survey shows 39% of U.S. merchants now accept cryptocurrency at checkout, while Remittix announced its PayFi platform is fully operational, letting users convert crypto to fiat directly into bank accounts【2】【3】.

Growing merchant demand

The NCA‑PayPal survey of 619 payment decision‑makers reveals that crypto is moving from niche to mainstream, with nearly four in ten U.S. merchants already offering digital assets at checkout. Among those accepting crypto, the share of sales has risen to 26%, and 72% of respondents report transaction growth over the past year. Customer pressure is a key driver: 88% of merchants say shoppers ask about crypto payments, and 69% receive such requests at least once a month. Larger enterprises lead the shift—half of firms with revenue over $500 million accept crypto, compared with roughly a third of smaller firms【2】.

Bridging crypto and fiat

Remittix’s PayFi platform, announced as fully completed on June 4, 2026, provides a practical bridge for users who want to move crypto into traditional bank accounts without the friction of conventional exchanges. Early community members have already exchanged crypto and received fiat directly in their banks, confirming the platform works in live conditions. The rollout aims to address the “crypto‑to‑fiat” bottleneck that has limited broader adoption, complementing merchant solutions that already let businesses accept and instantly settle crypto payments【3】.

Token‑centric benefits and challenges

While merchant adoption is accelerating, the survey highlights that simplicity remains a barrier: 90% of merchants would adopt crypto if the setup were as easy as credit‑card processing. Stablecoins and platforms like NOWPayments, which support over 300 assets and 15+ stablecoins with fees starting at 0.5%, are helping mitigate volatility concerns and streamline payouts【1】. However, the need for seamless integration and clear regulatory guidance continues to shape the pace of adoption.

What to watch

• Price‑level thresholds: If crypto sales share climbs above 30% of merchant revenue, it could signal broader market penetration.
• Remittix milestones: Monitor the public rollout timeline for PayFi; a full launch could spur additional merchant integrations.
• Regulatory signals: Any U.S. guidance on crypto payment processing or stablecoin usage may affect merchant adoption rates.

The convergence of rising merchant acceptance and functional crypto‑to‑fiat solutions suggests that digital assets are becoming a routine part of commerce, but the next wave will depend on how quickly usability and regulatory clarity improve.