Break free from payment complexity with stablecoin payments
Stablecoins are digital currencies that maintain stable value, typically pegged to the US dollar. Unlike Bitcoin or other cryptocurrencies, which fluctuate wildly, stablecoins attempt to maintain a stable value of $1, making them practical for business use.
Companies worldwide now use stablecoins for faster payments. They work like digital cash, instant, global, and accessible 24/7. No waiting for banks to open. No international transfer delays. Just immediate value transfer.
Their combined market value now exceeds $285 billion, facilitating $20 billion to $30 billion of transactions daily. These aren’t speculative trades—businesses use them for real payments, from contractor payouts to invoice settlements.
Here are seven ways businesses use stablecoins today.
Use Case #1: Paying Creators and Contractors Instantly
Businesses work with creators and freelancers globally. Traditional payment methods weren’t built for this. Bank transfers take 3-7 business days. Payment platforms may require a minimum of $50-$100. International wires cost $25-45 per transaction.
These constraints frustrate everyone. Creators earning $30 per project wait weeks to hit payout thresholds. 74% of freelancers report late payments, with fees consuming 10-20% of their earnings. Your best talent leaves for platforms with better payment terms.
Stablecoins fix this immediately. Pay $10 or $10,000. Creators receive funds within minutes of approval: no minimums, no waiting, no geographic restrictions.
Use Case #2: Gaming Affiliate Commissions
Gaming operators manage thousands of affiliates, driving traffic and conversions. Traditional banking makes these payments unnecessarily complex. Most affiliates earn small weekly commissions that fall below the minimum required for wire transfers. When you do send payments, the fees often exceed the commission itself.
Thousands of monthly payments mean thousands of individual fees. Additionally, affiliates may not be able to easily receive international payments through traditional payment rails, especially if operating in countries with high levels of underbanked individuals.
Stablecoins simplify payouts with global reach, fast transactions and more predictable value.
Use Case #3: Remote Team Payroll
Companies building remote teams face predictable payment challenges. Traditional payroll requires local entities or expensive employer-of-record services. International bank transfers take several business days to clear. Currency conversion adds another layer of cost and complexity.
The administrative burden multiplies with team size. Different countries require different documentation. Some contractors can’t receive wires directly. Others lose amounts to conversion fees. You spend more time managing payments than managing people.
Stablecoins make remote payroll straightforward. Load your payment wallet monthly. Distribute salaries on schedule to team members anywhere. Team members receive a stable USD value instantly.
Use Case #4: Customer Withdrawals and Refunds
Your online trading platform processes hundreds of withdrawals daily. Customers expect speed; 45% want refunds within three days. Yet bank transfers take longer than that. Card refunds can be unavailable for up to a week. The disconnect frustrates everyone involved.
Stablecoins remove the waiting entirely. Customers add wallet addresses during signup. Request a withdrawal, receive funds in minutes. Smart contracts handle everything automatically.
Use Case #5: B2B Invoice Settlement
Standard invoices offer Net 30 terms, but 46% of B2B credit sales in Asia experience delays. A $10,000 invoice due in 30 days might arrive in 50. Meanwhile, suppliers demand payment on schedule.
International trade adds currency risk to timing problems. An invoice sent in USD gets paid weeks later in euros. Exchange rates shift during the delay. That $10,000 becomes less by settlement.
Multiply this across dozens of monthly transactions, and the losses compound quickly.
Stablecoins eliminate both problems at once. Both parties agree to settle in the USDC. Invoices are paid the same day they’re sent. No currency exposure, no waiting for funds. The invoiced amount equals the received amount every time.
Use Case #6: Marketplace Seller Payouts
Stablecoins streamline seller payouts entirely. Sellers provide wallet addresses during onboarding. Sales are clear, and the payout process is automatic. Sellers receive funds within moments, not weeks.
Use Case #7: Subscription and SaaS Payments
Stablecoins provide reliable recurring payments. Customers fund wallets with USDC for automatic monthly debits: no card expiries, no bank failures. Smart contracts handle subscription logic, including payment processes, and provide access control.
Failed payments become rare exceptions rather than daily occurrences. The stability changes subscription businesses. Revenue becomes more predictable, and customer lifetime value improves when payment friction disappears.