From food stalls in Berlin to seaside cafés in Greece, crypto payments are not just rising - they're reshaping how Europeans spend. Over the past 30 days, our users have been tapping to pay with stablecoins and other digital assets in record volumes. We crunched the numbers and uncovered some surprising trends.

This isn’t just about where people are spending. It’s about how crypto, led by stablecoins, is becoming embedded in the fabric of everyday life.

What Are Europeans Spending On?

Our data shows two dominant trends: retail therapy and wanderlust.

Across much of the continent - including Spain, Germany and Poland - spending was highest in retail purchases, food, and beverages. In contrast, countries like France, Italy and Greece leaned heavily into lodging and travel-related expenses.

In fact, over 55% of all expenses fell within the MCC 5000–5500 range, which typically includes food, drinks and retail purchases. Notably, one-third of those purchases were made in Poland alone, underscoring the country’s growing appetite for real-world crypto use. Interestingly, compared to the previous 30 days, there was a 36%  increase in purchases within the MCC 5500-6000 range, which typically includes lodging, travel and aviation.

Above: Top Spending Categories across Europe. Data reflects stablecoin and crypto transactions from the last 30 days.

Stablecoins: The Core of Everyday Adoption

Over 75% of all payment volume on Oobit in the past 30 days was completed using stablecoins including EURR, USDR, etc. That’s not a statistic - it’s a signal.

Stablecoins aren’t just winning on speed and cost. They’re unlocking the real-world use cases crypto was always meant for. Following our recent launch of USDR and EURR through a partnership with Stablr, we saw localized surges:

  • EURR was the top digital asset in Finland
  • USDR was the top digital asset in Austria

Country Highlights: Context Behind the Clicks

Zooming in, three countries stood out this month for real, on-the-ground stablecoin usage: Poland, Lithuania, and Estonia. Their rising transaction volumes reflect economic reality, regulatory clarity, and shifting user expectations.

Poland

Poland has contributed over 30% of all retail and food purchases made via stablecoins on Oobit and continues to heavily embrace stablecoin payments- primarily USDC. In May 2025, Poland introduced a new draft law to align with MiCA. Major players like OKX have already launched regulated exchanges in Poland, reinforcing its role as a rising hub for compliant crypto activity.

Lithuania

A long-time regulatory pioneer, Lithuania has become a real-world proving ground for euro-backed stablecoins like EURR, which gained traction particularly in Vilnius’ growing tech and freelance ecosystem.  With over 580 licensed crypto businesses, the country is undergoing a shakeout as MiCA licensing rules take full effect by June 2025. Notably, Robinhood Europe secured Lithuania’s first MiCA-compliant crypto license this month. In Vilnius, we’re seeing increasing EURR transactions by over 100% from the previous month.

Estonia

Estonia has long been one of Europe’s most tech-forward nations—and that’s now reflected in how people spend. In the past 30 days, 52% of all purchases on Oobit in Estonia were made using stablecoins, with USDR and USDC leading the charge. They have also tightened their regulations to comply with MiCA framework. With its robust digital identity system, e-residency program, and a history of pioneering fintech, Estonia isn’t just keeping up—it’s setting the standard.

From Speculation to Spending

What began as a speculative market is now a means of exchange. From grabbing lunch in Warsaw to booking hotels in Barcelona, people are using stablecoins to live, not just invest.

“We’re at a tipping point. What we’re seeing isn’t just an uptick in stablecoin transactions - it’s the redefinition of money itself. From Berlin to Vilnius, people are tapping to pay with digital assets, not because they have to, but because it’s better. Oobit is the enabler of this transformation of making stablecoins and digital assets as intuitive as spending cash,” said Amram Adar, CEO and Co-Founder of Oobit.