What Businesses Need to Know About the Regulatory Risks of Stablecoin Payments
For years, the broader crypto space has been dominated by hype, hot takes, and speculation. Stablecoins, however, are now emerging as a reliable part of how businesses move money at scale.
Rapyd’s 2026 State of Stablecoins research shows that businesses are using stablecoins for practical reasons: to get paid faster, reduce friction, and to simplify global payments and payouts.
As Rapyd CMO Marc Winitz put it recently, “Payments get better when there’s less in the way.” That’s exactly what stablecoins deliver.
Why Stablecoins Now?
Stablecoins are gaining traction because the existing legacy payment infrastructure is old. On-chain transactions settle instantly without the risks of chargebacks.
This shift towards stablecoins is reflected in Rapyd’s research:
- 72% of businesses rank faster payments and settlement as the top benefit
- 62% cite easier cross-border transactions
- Over half already use stablecoins or plan to within the next three years
In other words, stablecoins are no longer a future bet. They’re being used today.
The Regulatory Risks Associated With Stablecoins Are Often Misunderstood
When businesses think about the regulatory risks associated with stablecoins, they assume uncertainty and complexity. In reality, the regulatory landscape has changed.
Frameworks such as MiCA in the EU and the GENIUS Act in the US have established clear rules for how stablecoins are issued, backed, and governed. These regulations focus on stablecoin issuers, not businesses that use stablecoins for payments.
For most businesses, regulatory requirements around stablecoin usage are relatively light, and stablecoins actually remove friction that exists in traditional global payments.
Chargebacks are eliminated. Transactions settle near instantly on the blockchain, with no banking cut-off times or downtime. Funds can be sent and received globally with greater speed and predictability.
So What Is the Real Risk With Stablecoins for Businesses?
For most, the challenge is not regulation. It’s infrastructure and integration.
Businesses need a way to:
- Accept stablecoin payments without rebuilding their checkout
- Send stablecoins to recipients anywhere in the world
- Settle seamlessly in fiat where required
- Manage compliance, reporting, and operational complexity behind the scenes
This is where execution matters. With Rapyd, businesses can begin accepting stablecoin payments immediately through Rapyd Hosted Checkout, send stablecoins globally and settle into fiat using their existing Rapyd wallet. The infrastructure, compliance, and integration work is already done.
Reliability Is the Signal
Stablecoins don’t need to be revolutionary to be valuable. They need to be reliable.
The question businesses are asking today isn’t whether stablecoins will become mainstream. According to Rapyd’s research, 76% believe they already are or will be within five years.
The real question is whether your infrastructure is ready to support them.
Learn more in our State of Stablecoins 2026 report.
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