Since the passing of the GENIUS Act in 2025, we’ve seen a spike in interest from leaders around how stablecoins can help grow their businesses. Many are skeptical of cryptocurrencies in general but intrigued by reports of companies using stablecoins to save on cross-border transaction fees and expand rapidly to multiple countries.
Here are the top questions we’ve been getting from businesses new to crypto, covering the scope of the stablecoin opportunity, concerns about risk management, and the practical mechanics of using stablecoins for business.
What are stablecoins, and why should my business use them?
How are stablecoins different from other cryptocurrencies?
Stablecoins are cryptocurrencies that are pegged 1:1 to a government-issued “fiat” currency, typically the US dollar. This means that while they can be moved using blockchains like other cryptocurrencies, their value doesn’t fluctuate wildly. And because they’re directly backed by safe assets such as treasuries, money market funds, or cash, users can be assured they’re always redeemable for fiat.
Why are stablecoins useful for businesses?
Unlike the traditional financial system, stablecoins are borderless. If a business wants to accept payments from abroad, send money to global contractors or vendors, or move money internally across borders, stablecoins can be both faster and more cost-effective than traditional rails. They can also be used to store money, which is particularly attractive to users in regions with volatile currencies.
Does anyone really want to pay with stablecoins?
Companies that offer stablecoins as a payment method can instantly reach an international pool of customers—many of whom lack access to popular payment methods like credit cards. We’ve seen that, once a business adopts stablecoin payments on Stripe, 70% of its stablecoin-using customers are net-new. They also place orders up to 2x the size of customers paying by other methods, showing that there’s an untapped pool of high-value customers.
How can my business mitigate risks associated with stablecoins?
Are stablecoins regulated?
In 2025, the United States and the European Union took significant steps toward regulating stablecoins with the GENIUS Act and Markets in Crypto-Assets Regulation (MiCA), instituting requirements like mandatory 1:1 backing with high-quality liquid reserves, strict licensing and authorization for issuers, and enhanced supervisory oversight and public reporting.
How can my business ensure that it’s complying with the right regulations in the right places?
While stablecoins facilitate cross-border trade, keeping track of regional regulatory differences can be challenging. When businesses use Stripe’s stablecoin-based financial services, regulatory compliance is built into these products—and continuously updated as regulations change.
How do I get started with stablecoins?
Do I need to have expertise in crypto, or hire new people who do, in order to use stablecoins for my business?
Accepting credit card payments is complex from both a technical and regulatory standpoint—yet businesses rarely see this complexity thanks to the rise of payment processors. Stablecoin payments, payouts, and storage are headed in the same direction. On Stripe, switching on stablecoin payments is just like adding any other payment method: it takes seconds and integrates seamlessly with the rest of your Stripe setup.
If customers pay us with stablecoins, how can we actually use them? Is it easy to convert them back to dollars?
Stablecoins exist on the blockchain (“onchain”), which historically meant that to use them for anything other than crypto trading, you needed to convert them to fiat through an exchange—which can be expensive and time-consuming.
With Stripe, stablecoin payments automatically settle in fiat into your existing balance. You can use funds paid in stablecoins right away, just like you would any other settled payment.
What stablecoin use cases does Stripe support?
Stripe’s suite of crypto products allows businesses to use stablecoins to reach new customers, reduce costs, and launch borderless financial services. Specifically, this means being able to accept, pay out, spend, and manage money using stablecoins. Additionally, Stripe powers businesses that want to enable their customers to buy crypto or stablecoins directly in their app.
Bridge, our stablecoin orchestration and issuance platform, complements and expands on those abilities for more complex use cases, allowing businesses to issue their own stablecoins, facilitate global money movement, and more.
Beyond that, Privy, our foundational wallet infrastructure, lets businesses embed functionality for asset custody and onchain actions directly within their products.
What businesses are building with stablecoins
Stripe has been crucial in helping us validate our business model and focus on growing the business instead of iterating on payments processing. And with stablecoins, we hit the sweet spot: they’re cheaper than credit cards, can be used by everyone around the globe, and settle much faster than ACH and wire.”
It was a no-brainer to partner with Stripe. Their leading payment processing is pushing the boundaries on auth rates for us at ~90%, and their stablecoin offering through Bridge is helping us save costs, settle faster, and serve more countries as we’re rapidly expanding.”
Contact us to learn more about how Stripe can support your business with stablecoins.
To learn more about how other businesses are using stablecoins, download Spotlight: Nine ways companies are using stablecoins and crypto to grow.