Stablecoin Use Cases

Build on the Future of Payments

Explore what developers are building with programmable stablecoins. Get inspired and start your own project.

These use cases represent what's possible when you combine stablecoins with modern developer tools. Start with our templates or build something entirely new.

Templates Available

49

High Potential

33

Production Ready

23

Easy to Build

12

Instant Stablecoin Transfers

Enable instant, low-cost transfers using stablecoins for P2P and merchant settlement across chains.

maturelow capitallight regulation
E-commerce payments $5.2T+ annually
Opportunity Score
Key Players:
CircleCoinbase CommerceSolana Pay
View Details

Cross-Border Payments (FX Stablecoin Swaps)

Use stablecoin rails with automated FX swaps to reduce cost and time for B2B/SME cross-border payments.

scalingmedium capitalmedium regulation
Cross-border B2B payments $150T+ annual flows
Opportunity Score
Key Players:
CircleStellar Development FoundationMoneyGram
View Details

On-Ramp (Fiat → Stablecoin)

Card/ACH/bank transfer on-ramps to convert fiat into stablecoins with fraud controls and compliance.

maturemedium capitalheavy regulation
Global crypto users 600M+
Opportunity Score
Key Players:
MoonPayRampCoinbase
View Details

Off-Ramp (Stablecoin → Fiat)

Fast payouts to bank accounts or cards by converting stablecoins to local currencies with compliance checks.

maturemedium capitalheavy regulation
Global crypto users 600M+
Opportunity Score
Key Players:
CircleStripeKraken
View Details

Scheduled/Recurring Payments

Automate recurring invoices, payroll, or subscriptions in stablecoins with programmable schedules.

maturelow capitallight regulation
Subscription economy $1T+
Opportunity Score
Key Players:
Stripe BillingCoinbase CommerceRequest Finance
View Details

Streaming Payments (Per-Second Payroll)

Real-time value streaming for payroll, SaaS and royalties using on-chain streaming primitives.

scalinglow capitalmedium regulation
Global payroll $40T+
Opportunity Score
Key Players:
SuperfluidSablierZebec
View Details

Request-to-Pay (Invoice-Based)

Invoice generation, approvals, and settlement with stablecoins; automatic reconciliation to ledgers.

scalinglow capitallight regulation
B2B invoicing $20T+
Opportunity Score
Key Players:
Request FinanceBitPayStripe Invoicing
View Details

Tokenized Deposits (Bank-Issued)

Bank liabilities issued as tokens to enable programmable, instant settlement with traditional safeguards.

pilothigh capitalheavy regulation
Global bank deposits $90T+
Opportunity Score
Key Players:
JPM OnyxCiti Token ServicesANZ A$DC
View Details

Yield-Bearing Stablecoin Savings (CeFi/DeFi)

Consumer and SME savings accounts that route to curated DeFi/CeFi yields on high-quality collateral.

maturemedium capitalmedium regulation
US money market funds $6T+
Opportunity Score
Key Players:
AaveCompoundCoinbase
View Details

Time-Locked Stablecoin Deposits

Fixed‑term deposits paying higher yield for commitments, tokenized with tradable lockup positions.

scalingmedium capitalmedium regulation
Global fixed‑income $100T+
Opportunity Score
Key Players:
PendleNotional FinanceElement
View Details

Multi‑Currency Stablecoin Savings

Hold and allocate savings across USD, EUR, and other fiat‑pegged stablecoins with automated FX.

scalingmedium capitalmedium regulation
Retail FX and savings $10T+
Opportunity Score
Key Players:
Circle (USDC/EURC)TetherMonerium
View Details

Stablecoin Sweep Account

Automatically move idle operating cash into curated, risk‑managed stablecoin yield strategies.

scalingmedium capitalmedium regulation
Corporate cash reserves $2.5T
Opportunity Score
Key Players:
Safe + CoinshiftFireblocksIdle Finance
View Details

Shariah‑Compliant Stablecoin Savings

Savings products screened by Shariah principles using commodity‑backed or non‑interest yield models.

pilotmedium capitalmedium regulation
Islamic finance assets $3T+
Opportunity Score
Key Players:
Marhaba DeFiZoyaFasset
View Details

Stablecoin Credit Line (Secured/Unsecured)

Flexible credit lines disbursed and repaid in stablecoins with cash‑flow or collateral underwriting.

scalingmedium capitalmedium regulation
SME credit gap $5T+
Opportunity Score
Key Players:
AaveMaple FinanceLedn
View Details

Overcollateralized Lending (Borrow Stablecoins)

Borrow stablecoins against crypto collateral with risk‑adjusted interest rates and liquidations.

maturemedium capitallight regulation
DeFi TVL $50B+
Opportunity Score
Key Players:
AaveCompoundMakerDAO
View Details

Under‑Collateralized SME Lending

KYC'd credit to SMEs with on‑chain receivables and bank data, disbursed in stablecoins.

scalinghigh capitalheavy regulation
Global SME finance gap $5T+
Opportunity Score
Key Players:
GoldfinchCentrifugeMaple Finance
View Details

Stablecoin BNPL

Checkout financing in stablecoins with risk engines and repay‑over‑time schedules for global users.

pilotmedium capitalmedium regulation
BNPL GMV $300B+
Opportunity Score
Key Players:
Request FinanceHelioSolana Pay
View Details

Microloans in Stablecoin (Wallet‑Native)

Small, rapid loans delivered to wallets leveraging mobile KYC and alternative data for underwriting.

scalingmedium capitalmedium regulation
Microfinance portfolios $120B+
Opportunity Score
Key Players:
Kotani PayCelo EcosystemImpactMarket
View Details

Stablecoin Margin Credit (Exchanges)

Exchange margin credit lines collateralized by stablecoins for professional trading.

maturehigh capitalheavy regulation
Crypto derivatives monthly volume $1T+
Opportunity Score
Key Players:
BinanceOKXdYdX
View Details

DAO Treasury Credit Line

Extend credit facilities to DAO treasuries with on‑chain governance approvals and covenants.

pilotmedium capitalmedium regulation
DAO treasuries $25B+
Opportunity Score
Key Players:
Maple FinanceKarpatkeyGauntlet
View Details

Retail Stablecoin Wallet (Self‑Custody/Custodial)

Multi‑chain wallets optimized for stablecoin UX, recovery, and off‑ramp integrations.

maturelow capitallight regulation
Global crypto users 600M+
Opportunity Score
Key Players:
Coinbase WalletTrust WalletPhantom
View Details

Merchant Stablecoin Wallet (POS Settlement)

Accept and settle stablecoin payments in‑store and online with tax and accounting integrations.

scalingmedium capitalmedium regulation
Global POS payments $20T+
Opportunity Score
Key Players:
Coinbase CommerceBitPaySolana Pay
View Details

Multi‑Signature Enterprise Wallet

Policy‑controlled enterprise custody with approvals, spend limits, and audit logging.

maturemedium capitalmedium regulation
Institutional digital assets AUC $200B+
Opportunity Score
Key Players:
SafeFireblocksBitGo
View Details

Programmable Wallet (AA/Policy/Agents)

Account abstraction wallets with programmable policies, session keys, and agent‑driven automations.

scalingmedium capitalmedium regulation
Addressable AA user base 600M+
Opportunity Score
Key Players:
Safe + ZodiacBiconomyPrivy
View Details

Mobile Wallet with QR/Pay Links

Consumer wallets focused on QR codes and payment links for low‑friction acceptance.

maturelow capitallight regulation
QR payments $2T+ (APAC)
Opportunity Score
Key Players:
Trust WalletCoinbase WalletWalletConnect
View Details

Cold Storage Vaults (Institutional Custody)

Qualified custody with cold storage, insurance, and segregated accounts for institutions.

maturehigh capitalheavy regulation
Institutional digital assets AUC $200B+
Opportunity Score
Key Players:
Anchorage DigitalBitGoCoinbase Custody
View Details

Automated Liquidity Pools (Stablecoin FX)

Concentrated liquidity pools optimized for stablecoin pairs and FX routing with MEV protections.

scalingmedium capitalmedium regulation
FX market $7T+ daily turnover
Opportunity Score
Key Players:
CurveUniswap v3Maverick
View Details

On‑Chain Treasury Management

Cash management for DAOs and fintechs: policies, approvals, and automated allocations to yield.

scalingmedium capitalmedium regulation
Corporate cash reserves $2.5T
Opportunity Score
Key Players:
Safe + CoinshiftKarpatkeyLlama
View Details

Tokenized Money Market Funds

Tokenized MMF shares offering cash‑like yield and T+0 settlement for treasury operations.

scalinghigh capitalheavy regulation
US money market funds $6T+
Opportunity Score
Key Players:
BlackRock BUIDLFranklin BENJIOndo USDY
View Details

RWA Token Exposure (T‑Bills, Bonds)

On‑chain access to short‑duration Treasuries and investment‑grade credit via tokenized funds.

scalinghigh capitalheavy regulation
US Treasuries $26T+ outstanding
Opportunity Score
Key Players:
Ondo FinanceBackedSuperstate
View Details

Cash Sweep Between Stablecoins (USDC ↔ USDT)

Smart routers to optimize yield and liquidity across stablecoins while minimizing slippage and risk.

maturelow capitallight regulation
Circulating stablecoins $160B+
Opportunity Score
Key Players:
Curve1inchJupiter
View Details

Programmable Escrow Contracts

Milestone‑based escrow with dispute resolution, oracles, and role‑based approvals for B2B work.

scalinglow capitallight regulation
Freelance and B2B services $300B+
Opportunity Score
Key Players:
OpenZeppelinKlerosSafe
View Details

Embedded KYC/AML Wallets

Wallet SDKs with built‑in identity verification, sanctions checks, and real‑time risk scoring.

scalingmedium capitalmedium regulation
Global KYC/AML spend $20B+
Opportunity Score
Key Players:
OnfidoPersonaTrulioo
View Details

Sanctions‑Screened Transfers

Transaction gating and screening with blockchain analytics and watchlist checks for compliant flows.

maturemedium capitalmedium regulation
Compliance software spend $20B+
Opportunity Score
Key Players:
ChainalysisTRM LabsElliptic
View Details

Programmable Spending Limits

Policy engines to enforce per‑day caps, merchant categories, and whitelists on wallets/treasuries.

scalinglow capitallight regulation
Corporate cards $1T+ annual spend
Opportunity Score
Key Players:
SafeOpenZeppelin DefenderBiconomy
View Details

Stablecoin Transaction Monitoring

Real‑time monitoring and alerting for risk, heuristics, and anomalous flows across chains.

maturemedium capitalmedium regulation
Blockchain analytics $1B+ market
Opportunity Score
Key Players:
ChainalysisTRM LabsElliptic
View Details

Smart Contract Audit Insurance

Parametric coverage and claim assessments for smart contract exploits and protocol failures.

scalingmedium capitalmedium regulation
Cyber/insurtech premiums $10B+
Opportunity Score
Key Players:
Nexus MutualInsurAceSherlock
View Details

CBDC‑Ready Compliance Adapters

Bridges and policy adapters to interoperate with CBDC rails while maintaining programmable controls.

pilothigh capitalheavy regulation
CBDC pilots in 100+ jurisdictions
Opportunity Score
Key Players:
RippleR3SETL
View Details

Stablecoin Murabaha Financing

Asset‑backed cost‑plus financing structured to meet Shariah requirements and settled in stablecoins.

pilotmedium capitalmedium regulation
Islamic finance assets $3T+
Opportunity Score
Key Players:
Marhaba DeFiAion DigitalFasset
View Details

Tokenized Waqf/Endowment Accounts

Programmable endowments with transparent disbursements and governance aligned to Waqf principles.

pilotmedium capitalmedium regulation
Global endowments $1T+
Opportunity Score
Key Players:
Marhaba DeFiAion DigitalZoya
View Details

Zakat Auto‑Calculation & Deduction

Automated Zakat assessment and compliant disbursement from stablecoin wallets to verified charities.

pilotlow capitalmedium regulation
1.9B Muslims; eligible wealth in trillions
Opportunity Score
Key Players:
ZoyaMarhaba DeFiFasset
View Details

Green Stablecoin Accounts (Carbon‑Linked)

Accounts that auto‑offset emissions via tokenized carbon credits while earning stable yield.

scalingmedium capitalmedium regulation
Voluntary carbon markets $2B+
Opportunity Score
Key Players:
Toucan ProtocolKlimaDAOC3
View Details

NGO/Aid Distribution Wallet

Programmable disbursements to beneficiaries with KYC, geofencing, and offline‑capable proofs.

scalingmedium capitalmedium regulation
Humanitarian aid flows $200B+
Opportunity Score
Key Players:
UNICEF CryptoFundWFP Building BlocksGiveDirectly
View Details

Cross-Border Payouts

Instant, low‑cost payouts for freelancers and remote workers using stablecoins.

scalingmedium capitalmedium regulation
Global remittances $800B+ annually
Opportunity Score
Key Players:
DeelRemoteWise
View Details

DeFi Yield Aggregator

Optimize stablecoin yields across DeFi protocols with automated, risk‑aware allocation.

maturelow capitallight regulation
DeFi TVL $50B+
Opportunity Score
Key Players:
YearnConvexBeefy
View Details

Corporate Treasury

Manage cash reserves in stablecoins with compliance, reporting, and segregation controls.

pilothigh capitalheavy regulation
Corporate cash reserves $2.5T
Opportunity Score
Key Players:
CircleCoinbaseAnchorage
View Details

Merchant Checkout

Stablecoin payment gateway for e‑commerce with instant settlement and low fees.

scalinglow capitallight regulation
E‑commerce payments $5.2T+
Opportunity Score
Key Players:
BitPayCoinbase CommerceSolana Pay
View Details

Supply Chain Finance

Tokenize invoices and enable instant trade finance using stablecoins as settlement.

pilothigh capitalheavy regulation
Trade finance gap $1.5T
Opportunity Score
Key Players:
CentrifugeGoldfinchTradeFinex
View Details

Stablecoin Savings

High‑yield savings accounts for consumers routed to curated stablecoin lending markets.

maturemedium capitalmedium regulation
Global savings $26T+
Opportunity Score
Key Players:
AaveCompoundCoinbase
View Details

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