Stablecoin use cases for payment companies and fintechs
Payment companies and fintechs move money in stablecoins to settle faster, reach more countries and offer dollar accounts, and every payment has to be detected, matched and posted without someone checking a block explorer.
Use cases by type of firm
48 use cases
Stablecoin payments
- Stablecoin off-rampsDetect the stablecoin a customer sends to cash out, so the provider can pay fiat to their bank account or card.
- Stablecoin dollar accountsOffer dollar accounts held in stablecoins, with balances and history kept in step with the chain.
- Cross-chain transfer trackingSee every cross-chain stablecoin transfer as settled, in flight or stalled, and catch the stuck ones.
- Stablecoin payouts for marketplaces and creatorsPay sellers, gig workers and creators in stablecoins from a marketplace balance.
- Stablecoin deposits to business bank accountsDetect stablecoin deposits into business bank and fintech accounts and post them to the account alongside fiat.
- Programmable escrow for B2B stablecoin paymentsHold a buyer’s stablecoin payment until delivery, a milestone or a deadline, then release it to the seller or refund the buyer.
- Stablecoin wallet top-upsCredit a user’s app balance when a stablecoin transfer to their embedded wallet confirms.
- Accept stablecoin paymentsConfirm stablecoin payments from shoppers and mark the order paid.
- Stablecoin card programsDetect stablecoin top-ups to the wallets that back a card program so spend limits update.
- Confirm x402 and agent stablecoin paymentsConfirm stablecoin payments that AI agents make, often per request, and keep each agent within its spending limits.
- Stablecoin payroll and contractor payoutsPay contractors and staff in stablecoins and confirm each payout settled.
- B2B cross-border payments in stablecoinsPay suppliers abroad in stablecoins and track each payment from send to off-ramp.
- Stablecoin settlement for card networksSettle card-network obligations with issuers and acquirers in stablecoins across chains.
- Onchain FX between stablecoinsSwap between stablecoin currencies onchain and record the rate and settlement of each trade.
- Rewards on stablecoin balancesCalculate and pay rewards on customers’ stablecoin balances.
- Authorize and capture stablecoin paymentsHold a buyer’s stablecoins in an escrow contract at checkout, capture them to the merchant as orders ship, void what can’t be filled and refund after capture.
- Stablecoin subscription paymentsConfirm each scheduled stablecoin charge onchain and mark the subscription paid.
- Payout prefunding in USDCPrefund a payout network in USDC and track the balance so payouts never stall.
- Stablecoin disbursements for public-sector programsTrack government benefit or grant payments made in stablecoins, from issue to spend.
- Stablecoin merchant settlementPay each merchant’s settlement in stablecoins to the wallet and network it chose, on any day, and record the transaction against the settlement.
- Stablecoin remittancesSend money across borders in stablecoins and confirm it reached the recipient’s wallet or card.
- Stablecoin card program operationsWatch card-backing wallets and read balances at authorization time for stablecoin-linked cards.
- Stablecoin credit lines for card issuersTrack the stablecoin draws and repayments on a card issuer’s credit line so the lender’s book matches the chain.
Stablecoin treasury and reconciliation
- Stablecoin invoice matchingMatch incoming stablecoin payments to invoices or customers and flag the ones that don’t match.
- Stablecoin treasury management across chainsSee stablecoin cash across every wallet and chain in one place.
- Onchain data for crypto accountingSend priced onchain activity to a crypto subledger so finance can close the books.
- Onchain data for finance and BI reportingLoad onchain activity into the warehouse so finance and BI teams can report on it.
- Sponsored gas spendTotal the gas you pay for your users per user, paymaster and day, watch the paymaster’s deposit and check the provider’s bill.
- Intercompany settlement in stablecoinsSettle what group entities owe each other in stablecoins, and land each transfer beside the intercompany ledger.
- Post onchain transfers to your ledgerPost each confirmed onchain transfer to the fintech’s own ledger, corrected for reorgs.
- Form 1099-DA data for brokersSupply the transfer history and USD values behind each customer’s Form 1099-DA.
- Idle stablecoin cash sweepsMove idle stablecoin balances into tokenized money funds when they pass a threshold.
- Gas wallet monitoringKeep gas wallets funded on every chain and alert before one runs dry.
Crypto compliance data
- Crypto scam and money mule detection dataFlag payments to scam-linked wallets and customer accounts that act as money mules.
- Data for crypto AML transaction monitoringFeed complete transfer data to AML tools with lineage from the chain to the case.
- VASP and counterparty due diligence dataProfile a VASP, issuer or counterparty by its onchain exposure before onboarding it and while the relationship lasts.
Digital asset services for banks and brokers
- Embedded wallet balances and historyShow balances and history for wallets embedded in a fintech app.
- Crypto portfolio and statement dataShow customers their holdings and history across chains in an app or statement.
- Crypto trading data for bank and broker clientsTrack positions and PnL for clients who trade crypto through their bank or broker.
- Crypto-backed lending collateral monitoringTrack loans, collateral and liquidation risk for crypto-backed lending through DeFi.
Blockchain data for your systems
- Improve blockchain webhook reliabilityKeep onchain event notifications arriving at your backend, with retries, reorg corrections and a backup feed.
- Blockchain data in your own warehouseStream decoded chain data into your own warehouse for BI.
- How to build a subgraphWrite a schema and mappings for your contracts and serve the index over a hosted GraphQL API.
- Blockchain indexing for app backendsKeep an app’s database in sync with the chain.
- RPC and indexed data for a payments blockchainProvide RPC and indexed data for a chain run by a fintech.
- Replace in-house blockchain ETL and cut its costRetire your own nodes and ETL jobs and load the same chain data tables from a managed pipeline.
- Improve RPC uptime and reliability with failoverRun a second data provider behind the incumbent and fail over when it drops data.
- Improve blockchain data API reliability and coverageKeep wallet balances, transfers and token prices arriving when a third-party blockchain data API has an outage, rate limits you, lacks a chain or returns wrong balances.
See what onchain data can do for your team
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