A growing number of small businesses in the United States are incorporating cryptocurrency into their operations, according to new national data released by the U.S. Chamber of Commerce. The findings show measurable adoption of digital currencies and stablecoins, particularly in specific states and industry sectors. The 2025 edition of the Chamber’s “Empowering Small Business” report reveals that 96 percent of small businesses plan to adopt at least one emerging technology, with cryptocurrency and stablecoin platforms cited among the most commonly referenced tools.
The survey, conducted across all 50 states, captured responses from small businesses ranging in size, location and industry type. Current usage of cryptocurrency and stablecoins by small businesses is reported between 32 and 35 percent nationwide. Adoption varies widely by state. In Maine and New Mexico, 77 percent of small businesses reported using crypto-related platforms. Iowa follows with 51 percent adoption, while states like Oklahoma reported lower levels, at 22 percent. The report identified both urban and rural adoption, reflecting a broad interest across the U.S. small business landscape.
Industries demonstrating higher levels of crypto usage include technology, telecommunications and logistics. These sectors showed a greater tendency to integrate blockchain and stablecoin systems into day-to-day financial operations. By contrast, businesses in sectors such as education, local services and retail reported lower adoption rates, although interest remains consistent in adopting cryptocurrency as part of broader digital transformation strategies.
Blockchain tools enter cross-sector business processes
While adoption is advancing, the report also outlines significant operational and regulatory challenges. Business owners cited complexity in integration, technical limitations and inconsistent state-level regulations as primary barriers to scaling use of cryptocurrency. Respondents noted difficulties navigating varying compliance requirements between states, which increases administrative costs and legal uncertainty. Survey data also shows that 84 percent of small businesses would consider implementing crypto or stablecoin solutions if access and integration processes were simplified.
The findings reflect demand for streamlined platforms and clearer legal frameworks to support business use of decentralized financial tools. The report additionally examined the role of other technologies in small business operations. Generative artificial intelligence is currently used by 58 percent of respondents, a sharp increase from 40 percent in 2024 and 23 percent in 2023. Among businesses using AI tools, 82 percent reported an increase in staffing levels over the past year, indicating alignment between technology adoption and workforce expansion.
Decentralized platforms used in various business models
The study was conducted by the U.S. Chamber Technology Engagement Center in partnership with Teneo Research. Data collection included a range of business categories by size, geographic region and sector. The goal was to assess how small businesses are utilizing technology and to identify areas where additional infrastructure or policy support may be needed. The Chamber’s research positions cryptocurrency alongside AI as one of the leading technologies being adopted by American small businesses. While challenges persist, the current rate of integration reflects a growing shift in how small enterprises manage digital transactions and financial tools.
The report provides a detailed snapshot of the U.S. small business economy as it evolves through adoption of decentralized and emerging technologies, highlighting tangible use cases across sectors and measurable growth in platform utilization. Increased accessibility, sector-specific implementations, and improved infrastructure are contributing to the steady rise of cryptocurrency adoption, with data revealing how businesses are navigating complexity, compliance, and digital transformation at scale. – By EuroWire News Desk.