Pay Information

Traditional Cross-Border Payment Systems Are Outdated

Efficient and reliable payments are essential to international trade. Yet, legacy systems—such as SWIFT-based bank transfers and intermediary-driven payment networks—are increasingly unfit for today’s fast-paced global economy. 

These traditional methods are often slow, costly, and opaque, creating friction for businesses involved in importing, exporting, or managing cross-border operations. As a result, they hinder competitiveness and limit financial agility in international markets.

Business Use Cases for Stablecoins in International Payments

1. Accounts Payable Optimization
Companies making recurring payments to international suppliers can cut costs and reduce settlement times by using stablecoins instead of traditional bank transfers. With assets like USDT or USDC, payments are completed in minutes—without intermediaries—providing full transparency and significantly lower banking fees.

2. Global Cash Flow Management
Stablecoins offer a faster, more flexible way to move capital across borders. Businesses can bypass banking restrictions and avoid intermediary costs, improving liquidity in key markets and enabling seamless capital allocation across subsidiaries in multiple countries.

3. International Payroll Distribution
For businesses with remote teams or contractors worldwide, stablecoins provide an efficient alternative to traditional salary payments. By eliminating banking delays and excessive transfer fees, companies can pay employees directly and instantly in stablecoins.

Example: A developer in Eastern Europe or a freelancer in Argentina can receive USDC and convert it locally with minimal loss from currency conversion.

4. Protection Against Currency Volatility
In high-inflation economies, companies can preserve value by converting local revenue into stablecoins. This strategy helps protect against rapid currency devaluation and offers a more stable store of value.

5. Market Expansion Without Banking Hurdles
Entering new markets typically requires opening local bank accounts—often a slow and complex process. With stablecoins, businesses can conduct payments and accept collections without relying on traditional banking infrastructure, accelerating time to market and reducing overhead.

Common Misconceptions and Challenges of Using Stablecoins

Fiat-backed stablecoins like USDC and USDT offer clear benefits for e-commerce and global business operations. However, misconceptions and challenges can hinder adoption. Understanding these concerns can help businesses make informed decisions and confidently integrate stablecoins into their payment workflows.

Common Misconception:

Are Stablecoins as Risky as Other Cryptocurrencies?

One of the most widespread misconceptions is that stablecoins share the same volatility as cryptocurrencies like Bitcoin or Ethereum. In reality, fiat-backed stablecoins are fundamentally different. They are designed to maintain a stable value, typically pegged 1:1 to a major fiat currency such as the US Dollar.

For example: Receiving $500 in USDC today means you retain $500 in value tomorrow—unlike Bitcoin, which can swing 10% or more in a single day.

Although stablecoins operate on the same blockchain infrastructure as other cryptocurrencies, their value stability and backing by regulated reserves or real-world assets make them more suitable for predictable use cases like e-commerce, payroll, and cross-border transactions.

Direct Payments Through Blockchain Networks

Stablecoins like USDT and USDC operate on multiple blockchain networks, allowing businesses to send international payments decentralized, without banking intermediaries. This method requires both parties to have compatible wallets and a basic understanding of how blockchain network's function:

1. Choosing the Right Blockchain Network

Each blockchain has different costs and processing speeds, impacting the payment experience:

Ethereum (ERC-20): High security and global adoption but higher transaction fees.

Tron (TRC-20): Low-cost and fast confirmations, ideal for frequent commercial payments.

Solana (SPL): Near-instant and cost-efficient transactions, though with lower adoption.

Example: A Mexican importer can pay a Chinese supplier by sending USDT-TRC20 directly from their MetaMask or Trust Wallet, ensuring the recipient has a compatible wallet on the same network.