The Role of Stablecoins in Modernizing B2C and B2B Cross-Border Payments
How money moves worldwide is changing, and stablecoins are leading the charge. For fintechs and remittance providers, stablecoins represent a massive opportunity to offer customers faster, cheaper, and more accessible global payment solutions than traditional rails.
The Stablecoin Advantage
Stablecoins are cryptocurrencies pegged to fiat currencies like the US dollar, combining crypto’s speed with traditional currency stability. Unlike volatile assets like Bitcoin, they’re built for practical payments with three key benefits:
- Price Stability: No significant fluctuations that concern users and businesses
- 24/7 Availability: Transactions happen anytime, anywhere
- Global Access: Anyone with internet can participate
Stablecoin supply has exploded in growth over the past year, growing 53% year over year. Stablecoin transaction volume reached $27.6 trillion in 2024, surpassing Visa’s $18 trillion and Mastercard’s $9.3 trillion during the same period. The most popular stablecoins are USDC and USDT, which account for more than 80% of the stablecoin market by capitalization.
The regulatory landscape reached a turning point with the Senate’s passage of the GENIUS Act in June 2025, establishing the first federal framework for stablecoin regulation. Treasury Secretary Scott Bessent projects the U.S. stablecoin market could grow to over $2 trillion in the next few years, while Citi forecasts $1.6-3.7 trillion globally by 2030. With the current market at $232 billion, this represents a potential 7-16x growth.
Why Traditional Cross-Border Payments Are Broken
Traditional international transfers take days and can cost 10%+ in fees. Stablecoins settle in seconds for pennies. This opens up opportunities across different use cases:
- B2B Payments: Businesses can instantly pay overseas vendors or suppliers without relying on SWIFT or incurring high wire fees, improving cash flow and strengthening global partnerships.
- Payouts to Gig Workers: Platforms can pay international freelancers and gig workers same day using stablecoins, offering faster, cheaper alternatives to PayPal or wire transfers.
- Remittances: Individuals sending money home can bypass traditional remittance providers entirely, instantly putting more value into the hands of their families.
Whether you’re a fintech, remittance provider, or enterprise platform, stablecoins offer:
- Faster Transactions: Real-time settlement vs. multi-day delays
- Lower Costs: No intermediary bank fees or FX markups
- Greater Reach: Serve unbanked or underbanked populations globally
The $865 Billion Opportunity
Every year, migrant workers send $865 billion globally through expensive, slow traditional systems. Stablecoins offer a direct path to capture market share with superior service.
Your platform could enable this experience: A worker converts USD to USDC and sends it instantly abroad. The recipient gets the stablecoin in minutes, then uses your integrated off-ramp for local currency via bank transfer, mobile money, or cash pickup.
For fintech companies, stablecoins unlock new use cases beyond remittances, such as global commerce payments, B2B transfers, and international account funding, all markets your platform could serve with the same underlying infrastructure.
The Infrastructure Challenge
Building compliant stablecoin functionality requires money transmitter licenses, KYC/AML programs, secure custody, and on-chain monitoring. Most companies lack the resources and expertise to navigate these complex requirements, especially across multiple states.
Regulatory compliance alone can take years and cost millions. Then there’s the technical complexity of building secure custody solutions, real-time settlement systems, and maintaining operational infrastructure.
How Coinme's CaaS Platform Solves This
Coinme removes these barriers, letting you focus on your core business while we handle the infrastructure:
Regulatory Coverage: Our Money Transmitter Licenses enable compliant operations across 48 states.* Your stablecoin features launch is compliant from day one.
Unique Cash Advantage: Unlike other providers, we offer cash on/off-ramps through retail networks, giving your customers options that digital-only competitors can’t match. This is especially valuable for remittance providers serving cash-dependent communities.
Complete Solution: From custody and security to real-time settlement APIs, we provide everything needed for robust stablecoin functionality. Our infrastructure handles the complexity so you can focus on customer experience.
Speed to Market: Launch stablecoin features in weeks, not months. While competitors spend time and money building infrastructure, you already serve customers.
Whether you’re a fintech app adding global transfer capabilities or a remittance provider modernizing your service offering, our APIs make stablecoin integration straightforward and compliant.
The Future is Now
Stablecoins are transforming global payments. Fintech companies and remittance providers that integrate these capabilities today capture market share from slower-moving competitors and position themselves at the forefront of financial innovation.
The question isn’t whether stablecoins will reshape payments, it’s whether your platform will be part of that transformation.
Ready to offer your customers instant, low-cost global transfers? Let’s explore how Coinme’s stablecoin infrastructure can power your next breakthrough feature. Contact us at bd@coinme.com or coinme.com/enterprise.
*USDC is not available in Texas
