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Stablecoins: The Next Standard for International Payments?

Stablecoins: The Next Standard for International Payments?

What stablecoins are, why they matter for business, key challenges, and when they could become core B2B infrastructure.

The world of digital assets is evolving faster than regulators can keep up. Among hundreds of tokens and cryptocurrencies, stablecoins are emerging as the most promising tool to simplify and reduce the cost of global transactions. But can they truly become a mainstream instrument?

What are stablecoins?

Stablecoins are digital currencies whose value is tied to a fiat currency, most often the US dollar. Popular examples include USDT (Tether) and USDC (Circle). Government-led initiatives like CBDCs are a related concept driven by central banks.

Unlike regular cryptocurrencies, their price remains (relatively) stable — which makes them usable as an actual means of payment, not just a speculative asset.

Why do they matter for business?

  • Speed. Cross-border transfers can settle in minutes instead of days.
  • Transparency. Every transaction is recorded on a public or permissioned blockchain.
  • Control. Assets can be tracked, blacklisted, or frozen by the issuer when required by law.
  • Lower fees. Often significantly cheaper than SWIFT or PayPal rails.

The challenges

  • Regulation. Many countries still lack clear, unified rules.
  • Centralization risks. Most stablecoins rely on a central issuer; governance and reserves must be trusted.
  • Provider trust. Users need confidence in reserve audits, risk management and operational transparency.

Expert insights

Industry analysts — including reports cited by the Financial Times — suggest that, when properly governed, stablecoin flows can be more transparent than traditional bank transfers. They’re already used in settlements by exporters in parts of Asia and Africa.
Source: Financial Times, industry reports.

Conclusion

For fintech companies, e-commerce and international projects, stablecoins are a practical way to cut costs and speed up payments. With sound regulation and trustworthy issuers, they could soon become a core element of B2B infrastructure.

Have you ever tried using stablecoins for business transactions? Share your experience — what worked, what didn’t, and in which jurisdictions.