Merchant adoption of digital assets has stalled

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Disclosure: The views and opinions expressed here belong solely to the author and do not represent the views and opinions of crypto.news’ editorial. Although we’re seeing digital assets increasingly utilised across the financial ecosystem, merchant adoption remains stagnant when compared to consumer uptake. For me, the primary issue is not a lack of technological advancement; it’s the significant gap in education and a disconnect between what digital asset brands are promoting and what merchants actually need. Summary Merchants remain hesitant to adopt crypto payments due to a lack of clear education, practical demos, and trust in new technology. Stablecoins emerge as the most viable solution, offering faster settlements, reduced fees, and protection against volatility — especially in cross-border payments. Industry missteps — focusing on hype and competition rather than real merchant pain points — have slowed adoption. Building trust through education, government endorsement, and proven case studies is key to unlocking mass merchant adoption. If we fix this disconnect, there are huge benefits for all parties. New technology ultimately allows merchants the ability to move money across borders swiftly, cost-effectively, and securely, while also reducing settlement times dramatically. It’s a tale as old as time: those businesses that adopt new technology have a competitive advantage versus slower movers, with better cash flow, an increase in consumer loyalty, and better relationships with suppliers. So if the benefits are clearly there, why is there a gap? The disconnect between hype and reality I believe the primary reason for the stalled adoption of digital assets by merchants is a lack of educational material around the technological changes. One of the biggest hurdles is the lack of ‘show and tell’ education for traditional merchants. They need to understand the practical benefits of digital asset infrastructure, such as the speed and transparency of stablecoin settlements.…