[Title of the report]

Summary

Despite bubble concerns, business AI adoption spiked across all sectors we track. And other business software spend is shifting in favor of AI-driven upstarts, too.

Our latest quarterly analysis of billions of anonymized transactions from 50,000-plus businesses using Ramp reveals fresh insights across manufacturing, health care, tech, finance, and more.

It also debuts Ramp Rate, the new flagship dataset that tracks the leading and fastest-growing software vendors across categories.

Increased adoption by institutions, fintechs & breakout apps

People and businesses actually used Polygon to move money.

Fintech & institutional momentum

This year, some of the most trusted financial brands on earth shipped real, production-level features on Polygon:

• Revolut: bringing global crypto transfers to millions of users, with $810M total volume
• Flutterwave: extending crypto-powered payments across Africa in 30+ countries
• Stripe: enabling onchain payments, processing over $75M in payments on Polygon in 2025 as one of the leading chains for Stripe user adoption
• Calastone: moving the world’s largest funds network closer to instant settlement
• Mastercard Crypto Credential: simplifying self-custody with verified, username-based transfers
• Avenia Pay: money movement infra connecting Latam to the world, with over $1B payments volume on Polygon in November and December 2025 alone


Institutions leveraged Polygon for better capital efficiency; fintechs used network where onchain money movement makes commercial sense: fast, stable, cheap, and globally reachable.

Breakout consumer apps chose Polygon too

While institutions provided scale, culture gave Polygon something just as valuable: attention.


• Polymarket became a mainstream phenomenon — the kind your cousin texts you about — running on Polygon rails.
• Courtyard raised $30 million and brought physical collectibles onchain with the kind of mainstream buzz crypto rarely enjoys


Adoption spanned fintech, global commerce, entertainment, and emerging markets, with a simple throughline: Polygon offered the best infrastructure for apps that scale.