Stripe 2025 Annual Letter: Payment Volume Hits $1.9T, Tempo Mainnet Set to Launch

Stripe reported that total platform payment volume reached $1.9 trillion in 2025, marking a 34% year-on-year increase and representing approximately 1.6% of global GDP, according to its newly released annual open letter on X.The company highlighted strong growth across payments, stablecoins, credit services, and AI-powered tools, alongside major strategic acquisitions and blockchain developments.Stablecoin Payments Double as B2B Activity ExpandsStripe said stablecoin payment volume doubled in 2025 to approximately $4 million, with 60% of transactions classified as business-to-business (B2B).To expand blockchain-based payments, Stripe co-incubated Tempo, a payments-focused blockchain developed alongside Paradigm. According to the company, institutions including Visa, Nubank, and Shopify are currently testing the network. The Tempo mainnet is expected to launch soon.Stripe also announced collaboration with OpenAI on the Agent Commerce Protocol (ACP), introducing a new primitive called Shared Payment Tokens, designed to allow AI agents to initiate payments without exposing sensitive credentials.Strategic Acquisitions and Wallet ExpansionStripe completed the acquisition of Privy, which supports 110 million programmable wallets, and usage-based billing company Metronome, expanding its infrastructure for developers and Web3-native applications.Stripe Capital Grows 45% Year-on-YearOn the financing front, Stripe Capital supported more than 81,000 businesses in 2025, with funding volume increasing 45% year-over-year. The company continues to position itself as a key credit provider for small and medium-sized enterprises operating online.AI Optimization Across the PlatformStripe emphasized its focus on AI-driven optimization, citing tools such as Radar and the Optimized Checkout Suite, which are designed to improve fraud detection, payment conversion rates, and transaction efficiency.In its letter, Stripe stated it aims to “optimize every transaction” using artificial intelligence and position itself as the leading platform for building businesses in the AI era.