Stablecoin
Use Cases

Traditional peer-to-peer marketplaces often exclude participants who lack U.S. bank accounts or face strict currency controls. With stablecoins, users can mint and redeem USD-pegged tokens through local rails — such as mobile money networks, domestic bank transfers, or regional e-wallets — providing seamless on- and off-ramps into USD value. This local-rails access broadens participation, reduces reliance on formal USD banking, and enables truly global, peer-driven exchanges.

Stablecoins can significantly improve direct payouts for Payment Service Providers (PSPs) by addressing the common pain point of 2–3 day settlement delays. Traditional payout systems rely on legacy banking rails, which slow down fund availability and impact cash flow. With stablecoins, PSPs can offer instant settlement to their merchants and users, enabling real-time access to funds. This not only enhances user satisfaction but also reduces operational friction and boosts liquidity across the payment ecosystem.

Traditional forex markets often suffer from delayed settlement and siloed liquidity pools, making efficient trading difficult. With stablecoins, traders gain access to real-time settlement across global markets, enabling faster execution and reduced counterparty risk. Additionally, blockchain-based stablecoins facilitate cross-platform arbitrage opportunities by providing a consistent, stable value and instant transferability, improving overall market efficiency and liquidity access.

Stablecoins can reduce settlement risk in commodity trading by enabling fast, stable, and transparent transactions. Traditional settlement processes are often slow and involve multiple intermediaries, increasing the risk of default or price fluctuation between trade and settlement. With stablecoins, traders can execute instant, on-chain settlements using a stable unit of value, reducing counterparty risk. This ensures predictable, secure payments and improves trust and efficiency in global commodity markets.

Traditional international payments are often slow, expensive, and subject to currency conversion issues. With stablecoins, patients can make fast, secure, and low-cost payments directly to healthcare providers. Their stable value ensures pricing clarity, while blockchain infrastructure enables seamless, transparent transactions, making it easier for international patients to access care and for providers to receive funds without delay.

Freelancers often face delays, high fees, or even blocked payments when working across borders. With stablecoins, they can receive global, stable payments instantly, bypassing traditional banking hurdles. The stable value ensures predictable earnings, while blockchain technology enables secure, low-cost transactions, empowering freelancers to work and get paid from anywhere in the world without friction.

Stablecoins can transform rural banking by addressing the core pain point of limited access to traditional banks. In many rural areas, physical bank branches are scarce, and financial services are out of reach. Stablecoins offer a mobile money alternative that enables users to store, send, and receive funds directly from their phones. With a stable value and blockchain-based infrastructure, stablecoins provide secure, low-cost, and always-available financial tools. This brings inclusive banking to underserved communities without the need for traditional infrastructure.