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stablecoin journey

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1. Executive summary

Stablecoins are creating a new base layer for financial services — one that’s global, real-time, programmable and accessible 24/7/365.

In the last 6 years, the supply of stablecoins has gone from $0 to $250bn. This is forecast to hit $2trn by 2028 as global regulatory clarity increases and drives further adoption in the space. In the next 10 years, stablecoins are projected to capture 20% of the global cross-border payments market (from c.3% today).

This guide helps you start your journey to capturing your share of this opportunity, bridging the gap between ambition and implementation with:

  • Use case selection:Implementation models with personalized API and UX demos, fund flows and case studies.
  • Business case support:Market data and metrics to build your internal business case.
  • Risk mitigation:Regulatory overviews and compliance approaches compared.
  • Pricing intelligence:Provider fees and cost levers demystified.
  • Integration roadmap:From portal to API to embedded, deployment options explained.

Every fintech and global enterprise needs a stablecoin strategy. We’re here to help you define yours.

2. Choose your use case

The most common stablecoin use cases we serve at BVNK are:

  • Payouts to businesses (eg invoice, supplier and partner payments).
  • Payouts to individuals (eg wage payments, paying out earnings to sellers, hosts and creators or winnings to customers).
  • Pay-ins from customers (eg customers depositing into an online account, paying for a product or service).
  • Pay-ins from partners (eg settlements from PSPs, affiliates, partners).

We also serve these same use cases through an embedded delivery model – meaning our fintech partners can embed stablecoin payments into their platform, in their brand, for their own customers to access. 

In this section, you can explore each of these use cases, explore what market leaders have built and test drive solutions with our personalized API and UX demos.

Payouts to businesses

In a nutshell:

Settle invoices and make payments to business partners, suppliers or merchants around the world with stablecoins.



Most used by:

Payment Service Providers, Marketplaces, Trading, Gaming. 

Adoption drivers:
  • Settlement delays using traditional correspondent banking system.
  • Problems getting local banking access.
  • Unpredictable or high FX fees via traditional correspondent banking system.
Traditional payouts
2-5 day settlement to emerging markets
Unpredictable FX fees
Limited weekend/ out of hours processing
Local banking dependencies
Stablecoin payouts
Near-instant settlement (>10 minutes)
Transparent costs
24/7/365 availability 
Global reach

Why are businesses integrating stablecoin payouts?

How it works
  • Store funds in USD, EUR or GBP in named accounts on the BVNK platform.
  • Request stablecoin payout via API or the BVNK portal.
  • BVNK automatically converts to stablecoins on your behalf on payout (no need to hold crypto).

The flow of funds for a stablecoin payout to a business

CASE STUDY

Rapyd meets customer demand for stablecoin payouts

Challenge:

In 2024, Rapyd started receiving increasing requests from merchants for stablecoin payouts: firstly to receive settlements themselves in stablecoins, and secondly to be able to make stablecoin payouts to their own users.

Solution:

Partnering with BVNK, Rapyd now funds their BVNK account in USD and initiates payouts through our portal. BVNK handles the conversion to stablecoins and executes merchant payments on Rapyd’s behalf. In the next phase of integration, Rapyd plans to embed BVNK’s stablecoin payout capabilities into their own platform for their customers to access directly.

Result:

  1. $150 million in near-instant stablecoin payouts to merchants across Africa, Eastern Europe, Middle East and beyond
  2. Reduced settlement time from 3-5 days to near instant
  3. Eliminated need for specialized crypto licensing and compliance infrastructure
  4. Enhanced merchant offering with stablecoin settlement, now expanding to more markets

Payout to individuals

In a nutshell:

Make payroll payments to freelancers or employees, or pay out earnings to users, sellers, creators or hosts.

Most used by:

Payment Service Providers, Employer of Record, Payroll, Marketplaces, Gaming, Trading, Social or tech platforms.

Adoption drivers:

  • Demand from individuals to receive payment in stablecoins.
  • Settlement delays using traditional correspondent banking system.
  • Unpredictable or high FX fees via traditional correspondent banking system.

How it works:

Example 1: Your customer withdraws in stablecoins.

  • Add stablecoin/crypto withdrawal option in your platform, which sends API request to BVNK.
  • Your user specifies the amount they want to withdraw and adds their wallet address. They’re shown the payment details including exchange rate and any fees.
  • BVNK automatically converts on payout (no need to hold crypto).

Example 2: You trigger the payout (eg to a seller when a product is sold, or to a host when a guest’s stay is over).

  • Add stablecoins/crypto as a payout option on your platform. Your user adds their wallet address.
  • Set payout conditions via API and trigger the payout.
  • BVNK automatically converts on payout (no need to hold crypto).

The flow of funds for a stablecoin payout to an individual

Create your own payouts experience

Create an instant personalized API & UX demo, to see how stablecoin payouts could work in your platform.

Curious to see what you can do? Create your own experience — just one click to get started.
Create your demo
Case study

Deel teams up with BVNK to pioneer instant payments for workers worldwide

Challenge:

The global freelance workforce is thriving, growing 15x faster than traditional jobs, while the global gig economy market is expected to triple in size by 2032. And with the rise of global HR services and employer of record platforms like Deel – it’s easier than ever for businesses to hire and manage freelance talent globally.

Despite this, paying workers overseas remains a challenge. Today’s clunky cross-border payment systems can leave workers waiting days for money – only to lose out to unfavourable currency conversions at the last mile. Employers meanwhile are held back by tied-up capital and exposed to foreign exchange risk.

Solution:

In Spring 2024, Deel teamed up with BVNK to enable stablecoin payouts to global contractors. With BVNK's infrastructure, workers employed via Deel can fast-track wage payments with dollar-backed stablecoins like USDC, receiving them in minutes not days. 

With BVNK's auto-conversion capabilities, there's no need for the Deel team to handle crypto. They simply fund their BVNK account in USD, EUR or GBP, and funds are converted automatically on payout. With this solution in place, Deel can ensure a seamless service for contractors, while remaining at the forefront of global payments innovation.

Result:

  1. Settlement time reduced from 3-5 days to near instant
  2. Strong adoption from contractors in Latin America and in markets with local currency fluctuations, with 125,000 successful payouts processed
  3. 10,000+ contractors in 100+ countries have opted to paid in stablecoins

1/3

Stablecoin payouts represent one third of BVNK’s stablecoin volumes
“We’ve seen crypto acceptance increasing in countries with economic instability, and in industries where global reach is important, or where there is high cross-over with crypto owners. This is where it starts. But it isn’t where it ends. Every payout creates a new potential pay-in customer. When you receive payment in USDC, you look for places to spend it. This is what's happening in LatAm right now. Services like Lemon Cash and KAST are bridging stablecoin wallets to traditional payment networks with card overlays. Mass adoption is here. It’s just not evenly distributed yet.”

Chris Harmse, Co-Founder & CBO, BVNK

Pay-ins from customers

In a nutshell:

Add stablecoin as a customer payment option on your checkout or deposit page.


Most used by:

Luxury ecommerce, Travel, Marketplaces, Payment Service Providers, Gaming, Trading.

Adoption drivers:
  • Demand from customers to pay in stablecoins
  • Customer problems with traditional payment options in emerging markets (eg cards not valid for international transactions or transactions blocked by card providers)
How it works:
  • Integrate BVNK’s pre-built payment pages or build your own custom front end using our API
  • Your customer selects to pay by/deposit cryptocurrency and connects their wallet. Option to give dedicated crypto addresses to VIP users for anytime payments.
  • BVNK auto-converts to your preferred fiat currency and holds in a safeguarded account on the BVNK platform.
  • Withdraw to your own bank account or use to fund third party payouts with BVNK.

The flow of funds for a stablecoin pay in

97%
Of crypto pay-ins processed by BVNK are stablecoins.
$3186
Average crypto deposit processed by BVNK (sample: 276,752 users)
1/2
More than half (57%) of those paying with crypto via BVNK are return customers.
Case study

Trade Nation unlocks new business and increases deposits by 260%

Challenge:

Trade Nation's customers in Asia struggled to top up trading wallets using traditional payment methods. In some countries, cards weren't valid for international transactions or were blocked by card providers. Bank payments required manual processing, hindering time-sensitive trading.

Solution:

Trade Nation integrated BVNK's hosted payments page to enable customer deposits and withdrawals in 15 digital currencies.

Result:

  1. 260% increase in deposit volume after implementation
  2. 56% of deposit volumes in new markets now paid in cryptocurrencies
  3. Unlocked previously inaccessible customer segments in key Asian markets
  4. Reduced operational overhead by eliminating manual payment processing

Pay-ins from partners

In a nutshell:

Receive settlements from affiliates, business partners or local payment partners in other countries.


Most used by:

PSPs, Trading platforms.

Adoption drivers:
  • Demand from partners to use stablecoins.
  • Cross-border settlement delays using traditional correspondent banking system.
How it works:
  • Create payment requests: Generate payment links to share via email, SMS, or WhatsApp.
  • Set up channels: Give partners dedicated addresses for regular deposits.
  • Receive funds: Partners pay using their preferred cryptocurrency.
  • Choose your destination:
    • Option A: BVNK converts to your preferred currency and holds in your account.
    • Option B: Funds go directly to your stablecoin wallet.
  • Use your funds: Withdraw to your bank account or use for future BVNK payouts.

The flow of funds for receiving a stablecoin settlement from a business

Create your own pay-in experience

Create an instant personalized API & UX demo, to see how stablecoin pay-ins could work in your platform.

Curious to see what you can do? Create your own experience — just one click to get started.
Create your demo

Embedded stablecoin payments

In a nutshell:

Embed stablecoins payments in your platform so your customers can spend, store and receive stablecoins from a USD, EUR or GBP balance.


Most used by:

PSPs, Fintechs, Payroll, Employer of Record.

Adoption drivers:
  • Customer demand for stablecoin payments.
  • Competitive pressure to innovate/differentiate product.
How it works
  • Integrate:with BVNK’s API so your customers can manage payments in fiat and stablecoins without leaving your ecosystem.
  • Opting in: To sign up for this feature, your customers simply accept BVNK’s terms in your platform. In the background, you pass KYB/C data to BVNK via API. BVNK initiates the verification process automatically and notifies your customer.
  • Creating a wallet: Once verified, your customer can create their first wallet in your platform to store funds, make payments and get paid.
  • Making a deposit: Your or your customer fund the wallet with an external transfer. If it’s a USD wallet for example, deposit via ACH or Swift. If it’s a stablecoin wallet, transfer via a crypto wallet provider.
  • Creating a payout: Once your customer's wallet is set up, they can start using it. For example they could pay out USDC from their USD wallet. BVNK auto-converts in the background and executes the payment.
  • Receiving stablecoins: Your customer can also fund a wallet in stablecoins. They select the stablecoin option, copy the wallet address and go to their crypto app to complete the payment. If it’s a USD wallet they're funding, BVNK auto-converts and updates their USD balance.

Example 1: Your customer wants to pay out to their suppliers in stablecoins.

  • Fund:You or your customer fund a named virtual account in USD/GBP/EUR in your platform (powered by BVNK).
  • Initiate:Customer selects to payout in stablecoins in your platform.
  • Send:BVNK automatically converts the fiat currency to stablecoins and sends to the supplier's wallet address.

All conversions happens seamlessly, allowing your customers to pay suppliers in stablecoins without handling stablecoins.

Example 2: Your customer wants to access USD deposits to on and off-ramp into your platform.

  • Deposit: Customer sends USD from their bank → funds appear in your platform as stablecoins.
  • Hold: Funds remain as stablecoins in customer's wallet on your platform.
  • Withdraw: Customer requests USD withdrawal → BVNK auto-converts stablecoins back to USD and sends to their bank.

The conversion between USD and stablecoins happens automatically so customers only see USD going in and out.

The flow of funds for a customer payout using BVNK embedded wallets

Create your own embedded payments experience

Create an instant personalized API & UX demo, to see how stablecoin payments could work into your platform, in your brand.

Curious to see what you can do? Create your own experience — just one click to get started
Create your demo
Case study

Worldpay enables stablecoin payouts for global businesses in collaboration with BVNK

Challenge:

Worldpay, one of the world's largest payment processors, faced growing demand 
from global business customers for instant stablecoin payouts.

Solution:

This collaboration will enable Worldpay’s clients to pay out to customers, contractors, creators, sellers, and other 3rd party beneficiaries in stablecoins across 180+ markets nearly instantly, without having to hold or handle stablecoins themselves. Worldpay clients will be able to access this new stablecoin payout service through their existing integration with Worldpay’s payouts platform. Stablecoins will be the first type of digital asset enabled as a payout option on Worldpay’s payout platform, complementing the existing 135 fiat currencies currently available.

Result:

  1. Expanded payment capabilities across Worldpay's $2.3+ trillion commerce network
  2. Competitive differentiation in a crowded payment processing market
  3. Reduced payment friction for global merchants with cross-border needs
Case study

Freemarket adds stablecoin wallets to their multi-curency payments platform

Challenge:

Freemarket's business customers wanted to accept stablecoins and convert to fiat on demand. They also wanted to buy stablecoins via the Freemarket platform and pay out in stablecoins when required.

Solution:

Freemarket embedded BVNK’s stablecoin wallets in their platform, allowing them to meet customer demand and add stablecoin capability to their multicurrency payments platform.

Result:

  1. Accelerated time-to-market by 6+ months compared to building in-house
  2. Expanded service offering without additional compliance overhead
  3. Increased transaction volume from existing customers

Cross-border payments (orchestration)

In a nutshell:

Combining both fiat and stablecoin rails in order to optimize cross-border transactions (sometimes called the’ stablecoin sandwich’).

Most used by:

Remittance companies, CBFX companies, fintechs, PSPs.

Most used for:
  1. Treasury / liquidity management: repatriating funds from emerging markets or sending money between global entities.
  2. B2B payments: Settling partners and suppliers globally.
  3. P2P remittances: facilitating cross-border remittance payments.
Adoption drivers:
  • Reducing settlement delays vs using only fiat payment rails (eg for emerging market routes)
  • Facilitating repatriation of local currencies (eg where there is insufficient liquidity and/or high conversion fees to convert from an EM currency to USD, EUR)
  • Reducing FX feel: finding cheapest and most efficient payment path across blockchains and banking rails.
  • Avoiding the costly prefunding of accounts around the world (required to enable ’instant’ payments in the absence of instant cross-border settlement)

How it works:

  • Layer1 (BVNK’s infrastructure-only product) provides the tech and smart routing.
  • You manage the relationships with on-ramp, off-ramp and fiat payout providers.
  • BVNK acts as a liquidity partner for USD, EUR, GBP, integrated with Layer1.

Example:

  • Deposit: Add USD to your BVNK account via Layer1
  • Request: Send payout instruction via Layer1 for recipient in Mexico.
  • Behind the scenes: Layer1 auto-converts USD to stablecoins, then smart-routes the payment via your local partners in Mexico, finding the most efficient route.
  • Delivery: Recipient receives Mexican pesos directly in their local bank account.

Layer1 orchestrates currency conversions and international transfers, making it simple to send money across borders without managing multiple exchanges.

Flow of funds for a cross-border payment using stablecoins to speed up the middle leg of the transaction

3. Make your business case

Get key datapoints to help you build a business case for stablecoin payments, including global adoption data, settlement information and cost comparisons.

Crypto ownership

8%
of the global population own crypto (source: Crypto.com)
700 M
Crypto owners globally (source: Crypto.com)
“Depending on market conditions, we expect the number of global crypto owners to reach 750-900 million in 2025.”

Source: Crypto.com Research, November 2024

Crypto adoption by country

Source: Chainalysis Geography of Crypto Report 2024 [NB the updated annual report comes out every September].

Why this matters:

Countries with challenging banking infrastructure or currency volatility typically show higher stablecoin adoption. These markets often represent the first wave of stablecoin payment adoption. Prioritize stablecoin implementations in markets with high adoption rates to achieve faster market penetration and higher user engagement.

Stablecoin active wallet addresses

Monthly active unique stablecoin addresses peaked at their highest ever in May 2025, at 416.21 million, a 40% YoY increase.

For the latest active stablecoin wallet data, please see: Addresses | Visa Onchain Analytics Dashboard

Stablecoin transaction volumes

Note: it’s important to distinguish between transactions that facilitate crypto trading – and those estimated to be for payments use cases.

$34.2 trillion
Estimated stablecoin transaction volume in 12 months to May 2025 (incl. trading use cases).
$7.3 trillion
Estimated stablecoin payments volume in 12 months to May 2025 (excl. trading & institutional activity).

Source: Visa Onchain Analytics 2025. For up to date stablecoin transaction volume, please see: Transactions | Visa Onchain Analytics Dashboard

Growth in stablecoin activity by region

Source: A primer on stablecoins, Social Capital & Chainalysis 2025

“In 2024 stablecoin payments volume was half Visa’s volume and 3x that of PayPal – and the equivalent to approximately 3% of global cross-border payments. In the next five years, we expect this to grow to 20% of global cross-border payments, making stablecoin payments a $50 trillion market.”

Chris Harmse, CoFounder & CBO, BVNK

Source: A primer on stablecoins, Social Capital & Chainalysis 2025

Settlement times

Blockchain settlement speed

How long it takes to settle a blockchain transaction depends on the blockchain, the cryptocurrency and network congestion. For example, some cryptocurrencies like Cardano or Solana can have almost immediate transaction confirmations, while Bitcoin can take around 40 minutes. The norm with most cryptocurrencies is to require a few confirmations (additional blocks in the blockchain) for transactions to be deemed validated and irreversible.

Below, you can find the average times on BVNK to settle stablecoin transactions, compared to traditional correspondent banking (Swift) alternatives.

Correspondent banking / Swift
Stablecoins
Europe / North America > Asia
3-4 days
<10 minutes
Europe > Africa
2-5 days
<10 minutes
Europe / 
North America > 
Latin America
2-5 days
<10 minutes

On and offramp time

Converting into and back from fiat currencies adds settlement time. Note that the speed of on and off ramp to fiat will differ based on provider, local market rails and available liquidity.

For example:
  • If the destination market has RTP rails available, settlement will usually be in minutes (eg MXN, BRL)
  • If the destination market does not have RTP rails or the payout partner does not have access to these rails, it might be same day settlement or T+1 (eg COP, ZAR)

Transaction fees

Below is an indicative example showing where significant savings can be made using stablecoins for cross-border payments. Please note that fees can vary significantly according to provider, currency, liquidity and volume. See: ‘Get smart on pricing’ later in this guide to understand typical fees and factors affecting pricing.

Correspondent banking / Swift
Stablecoins
South East Asia > Europe
3-4 % FX fee, $30 Swift fee
4x cheaper
Africa > Europe
2-5% FX fee, $30 Swift fee
8x cheaper
UK > Europe
0.2-0.5% FX fee + $30 Swift fee
Equivalent

Payment capabilities comparison

Correspondent banking / Swift
Stablecoins
API-first
No
Yes
Availability
Banking hours
24/7/365*

*Note: won’t apply to on and offramp. Operating hours of stablecoin payment providers may differ
Transparency
Payment information for last leg only
Every transaction recorded on the blockchain. Payment information for the entire history of funds.
Resilience
Reliance on central entities/systems.
Built-in redundancy with decentralization.
Regulation
Tried and tested regulatory frameworks 
Regulator frameworks still developing around the globe (Singapore, Hong Kong, UAE, EU, USA leading the way: see next section for summary)
Max amount?
Individual banks set own thresholds
No limit


Note: stablecoin payment providers like BVNK allow you to configure custom limits for payments as needed.

4. Understand licensing and compliance

Get up to speed on general crypto regulatory developments by region and compare KYC/B compliance models.

Licensing and regulation overview

A number of comprehensive regulatory regimes have emerged for crypto over the last few years. While they differ in specifics, they all focus on a set of core principles: customer protection, market stability and market integrity.

Regulators look to achieve these outcomes in different ways:

  • Licensing and/or registration to ensure crypto service providers are subject to AML obligations and beyond.
  • Rules on how businesses can promote or market crypto to consumers.
  • AML compliance rules to make sure that providers are carrying out customer due diligence, transaction monitoring and reporting.

Below we summarise crypto regulatory developments in the EU, UK, USA, Singapore, Hong Kong, Middle East and Latin America as of June 2025. 

Crypto status
Key developments
Action point
EU
Comprehensive regulation in place.
Markets in Crypto Assets (MiCA) framework in force.

Travel Rule for Crypto in force.
Check your partner is licensed as CASP (or application in progress with a valid VASP registration) and is compliant with AML/CFT rules inc. Travel Rule.
USA
Rules vary by state. Comprehensive federal regulation expected 2025.
GENIUS Act (federal regulatory framework for stablecoins) passed by the US senate. now being considered by the House. 
Opt for a partner that can help you navigate federal and state rules, has the right licensing (eg MTLs) and is compliant with AML/CFT rules inc. Travel Rule. 
UK
Comprehensive regulation expected 2025-2026.
Financial Promotions rules for crypto in force.

HM Treasury published draft comprehensive crypto legislation in 2025.

Travel Rule in force.
Ensure your partner is FCA-registered for AML/CFT or a non-UK registered VASP, compliant with Financial Promotions & Travel Rule.
Singapore
Comprehensive regulation in place.
Payment Services Act provides framework in force for Digital Payment Token  services.

Travel Rule in force.
If your partner is based in Singapore, ensure they’re licensed under the PSA and compliant with AML/CFT requirements, inc. Travel Rule.
Hong Kong
Comprehensive regulation in place.
Licensing regime for Virtual Asset Service Providers (VASPs) implemented in 2023.

Stablecoins Bill passed, set to take effect in 2025.

Travel Rule in force.
If your partner is based in Hong Kong, ensure they’re licensed by the SFC and compliant with AML/CFT requirements, inc. Travel Rule.
Middle East
Varies by country, with most progress in UAE and Bahrain.
UAE's Virtual Asset Regulatory Authority (VARA) established regulatory framework for Dubai.

Saudi Arabia developing a national regulatory framework, expected 2025.

Travel Rule implementation varies: in force in leading crypto hubs.
When working partners in the Middle East, verify their regulatory status in the relevant country and ensure compliance with AML/CFT and local Travel Rule requirements.
Latin America
In development.
Varies by country.
Brazil developing a regulatory framework for virtual assets.

Mexico expected to adapt finech law to better address crypto.

Travel Rule implementation uneven but progressing.
When working with partners in Latin America, assess their regulatory status by country and ensure they have appropriate AML/CFT controls in place.

Compliance models compared

Direct
Embedded
Layer1 
(infrastructure as a service)
Summary
You contract directly with BVNK and access our services through the BVNK portal or via API.  
You embed our payment capabilities into your platform via API integration. BVNK offers its services directly to your customers.
Infrastructure only. You are fully responsible for your own compliance and risk appetite.
Flow of funds
You are moving money for your own purposes and not on behalf of others. 
Your customer moves funds using BVNK services, embedded into your platform.
You are moving money on behalf of yourself or customers. As your infrastructure partner, Layer1 is not in the flow of funds.
Capabilities
Payments and named accounts in EUR, GBP, USD on the major schemes including Swift.
Stablecoin wallets and payments.
Payments and named accounts in EUR, GBP, USD on the major schemes including Swift.
Stablecoin wallets and payments.
Full stack stablecoin and crypto pay-ins, payouts, trading and cross border payment orchestration infrastructure.
Compliance
BVNK directly onboards you as the customer.
BVNK directly onboards your customer.
You handle KYC/B and compliance for your customers.
Ideal for
Crypto, fintechs, PSPs,
marketplaces, employer of record, payroll, remittance, gaming, trading.
Crypto, fintechs, PSPs,
marketplaces, employer of record, payroll, remittance, trading.
Remittance, trading, fintechs, PSPs, gaming, crypto.

5. Get smart on pricing

Understand typical provider fees and the cost levers affecting price.

Fees charged by a stablecoin provider

The following are typical examples of fees charged for stablecoin payments. Choose a payments partner that gives you flexibility on how you charge for stablecoin transactions (eg enabling you to choose whether or not to pass certain fees on to your users).

Note: discuss custom pricing for your needs at BVNK’s, please reach out.

Fee type
Description
How much?
Who pays?
Network fee
Also known as ‘Gas’, these fees are charged by each blockchain to process a crypto transaction. 



Network fees are payments made to incentivise miners or validators in the processing of transactions on the blockchain network.
Varies by blockchain. Eg Ethereum is often higher-cost; Solana is lower.
 
Example for a $5000 USDT transfer:
Ethereum (ERC-20): ~$1-5
Solana: ~$0.00025-0.001
TRON (TRC-20):~$1-3
Bitcoin: ~$1-20



Gas fees are dynamic, meaning they are higher when there is network congestion.
Business customer of the stablecoin provider.
OR users. 

Some providers won't charge if the cost is very low. BVNK for example only charges for Ethereum, Bitcoin, and Tron.
Processing fee
Typically a % fee charged by your payment provider. Most providers offer volume-based pricing tiers.
0.3-2%
Business customer of the stablecoin provider.

Note: providers may not charge for deposits into their platform.
Conversion spread 
The difference between the buying and selling prices when you exchange one currency or financial asset for another (eg USD for stablecoins or vice versa).
0.5-2%
The user (eg your customer or partner). 

Higher spreads can decrease conversion on a pay-in for example, so find a stablecoin provider that gives you flexibility on whether to apply this fee, or whether it's baked into your processing fees.
Onboarding or set up fee
If deeper integration is needed, providers may charge a set up or onboarding fee.
Varies significantly.
Business customer of the stablecoin provider.
Platform for account fee 
Set monthly account or SaaS platform subscription fee.
Varies significantly depending on the product.
Business customer of the stablecoin provider.
Minimum Monthly Commitment
A commitment you make up front to process a minimum volume of stablecoin payments each month with your provider. As long as you meet your expected volume, you won’t pay extra. Providers often allow a grace period for new customers. 
Varies but eg $2-10,000.
Business customer of the stablecoin provider.

Factors affecting pricing

Sending money via blockchain is often cheaper than via bank transfer, but it can depend on a variety of factors.

Blockchain factors

  • Network: Fees vary between blockchains, with some optimized for lower cost transactions. Blockchains also use different consensus mechanisms (eg proof of work, proof of stake), which impacts cost. Learn more
  • Network demand: Blockchain network fees are dynamic: higher demand for processing can increase the price of network fees, as more users compete for limited block space.
  • Transaction complexity: The complexity and size of transactions can also affect network fees. Eg smart contract interactions typically cost more than simple token transfers.

Market factors

  • Your volume:The bigger your volumes, the better the pricing you can access from your provider.
  • Your provider’s volume: Established providers who process higher volumes across their entire client base will have access to better pricing from banks, issuers and liquidity providers.
  • Strength of your provider’s partnerships: Strong, direct partnerships with stablecoin issuers and liquidity providers will enable your provider to access cheaper prices to pass on to you.
  • Liquidity: Liquidity of particular stablecoins affects exchange rates when converting in and out of fiat.
  • Risk status: If your business operates in a higher risk industry, your provider may have to undertake enhanced due diligence, which may impact pricing.

6. Select your integration model

From portal to API to embedded, compare deployment options and resource implications.

Option 1: Managed service

Opting for a managed service like BVNK, means you can tap into an existing network of banking and liquidity partners. Your provider manages your crypto keys and ensures regulatory compliance. Perfect for customers seeking an all-inclusive solution with custody, compliance, and liquidity managed under one roof.

Technical integrations options

Features
Time to go live
Technical resource needed
Online portal
Access BVNK's portal straight away to start sending and receiving payments. 
Instant 
(post compliance onboarding)
None
API – Light


Minimal integration using BVNK's pre-built hosted payments page.
2-3 weeks
Low
API – Full
Full technical integration into your platform for custom functionality in your branding.
0-2 months
Low-Medium
API – Embedded
Embed fiat and stablecoin payments directly into your platform, powered by BVNK. Fully whitelabel.
2 months
Medium

Option 2: Self-manage infrastructure

Manage your own wallet keys, bring your own licensing, and integrate your chosen liquidity partners. Ideal for businesses with established licensing and a defined risk appetite. For example, BVNK’s infrastructure-only product, Layer1, empowers you with complete autonomy over your payments infrastructure. Perfect for licensed or soon to be licensed companies, where payments are part of their core, and they want to manage their own tech stack in house.

Technical integrations options

Features
Time to go live
Technical resource needed
Infrastructure as a service (Layer1)
For customers who want to self-manage stablecoin payments. With Layer1, you get full control over wallet keys, licensing, and operations. Purpose-built for payments orchestration across fiat and stablecoins at scale.
2-4  weeks
Medium. 



Deploy your existing developers with no special experience.
Build from scratch
Run your own blockchain nodes and connect to the networks directly. Build, manage and update your own stablecoin payments infrastructure.
6-18 months
High 

Minimal technical resources:
2 Blockchain engineers
5-8 backend engineers
2 frontend engineers
2 dev-ops

7. Build your stablecoin experience

Implementation and rollout tips from our team of product managers and integration specialists.

Optimise your blockchain infrastructure

If you’re self-managing crypto payments infrastructure, these optimisations and automations will set up for success. (Note: if you're using Layer1 or BVNK these features are included).

Gas management

Gas fees vary by network and processing time, and must be paid in the blockchain's native currency. Look for infrastructure that automatically calculates optimal gas fees and monitors transactions on-chain, dynamically adjusting during network congestion to prevent failed payments without manual intervention.

Error handing

Don’t rely on systems that fail silently. Choose a provider that actively monitors transaction status and automatically retries failed attempts. Look for capabilities like gas refunds for failed transactions and intelligent routing issue detection to reduce failed payouts and prevent unnecessary support escalations.

Auto-conversion

Accepting crypto is only part of the solution: converting it seamlessly matters just as much. Opt for infrastructure that supports automatic conversion from BTC, ETH, USDT, and other assets into your preferred settlement currency, whether stablecoin or fiat, at the point of receipt. This ensures operational efficiency and minimizes FX risk.

BVNK's core Layer1 infrastructure automatically calculates optimal gas fees and monitors transactions on-chain

Set up your product

Plan your roll out to ensure you’re serving the right customers, with the right stablecoins and blockchains.

Support multiple stablecoins

Don't limit your reach by offering just one stablecoin. Geographic preferences vary based on local liquidity and spending options. Consider supporting popular options like USDT, USDC, PYUSD, and others.

Go multi-chain

Different blockchains suit different payment types (eg Solana for micropayments). Give users options across networks like Solana, Cardano, Ethereum, Tron, and Polygon while incentivizing use of any preferred chains.

Ensure robust fiat capabilities

Select a provider that offers:

  • On/off ramping between stablecoins and fiat
  • Auto-conversion to reduce exposure
  • Safeguarded fiat accounts
  • Access to relevant local payment rails

BVNK supports the most popular cryptocurrencies and stablecoins

Customise your front end

Boost adoption and improve conversion with these UX tips. Note: If you’re using BVNK’s hosted payments page these UX best practices are already integrated.

Optimise for mobile

With around 40% of crypto payments happening on mobile, ensure responsive design and test QR code wallet address and ‘copy’ functions across all device types.

Localize experience

Detect browser locale automatically but include a language selector option to build trust.

Prevent lost funds

  • Clearly display the required blockchain network (protocol).
  • Choose a partner like BVNK that can recover cross-chain transactions (and provide help centre articles like this one to advise your users on this process)
  • Include destination tag prompts where required (eg for XRP payments)

Use simple language

Avoid crypto jargon and provide clear action prompts (eg "Please send this amount to this address").

Integrate popular wallets

Smooth the payment journey by integrating with Coinbase, MetaMask, and Trust Wallet. For stablecoin payouts, consider enabling users to create a wallet at the point of withdrawal to improve adoption among non-crypto native users.

Show local currency conversions

Display equivalent amounts in users' local currency early in the payment journey to build confidence.

Think ahead for payment discrepancies and errors

Configure how to manage underpayments and overpayments before launch to minimize support issues. We also recommend you ask your provider if they manage 'wrong chain' payments – automatically rerouting the payment to the correct chain to avoid loss of funds as BVNK does.

Enable VIP features

For stablecoin pay-ins, enable frequent users to create anytime wallet addresses by currency (payment channels), so they can save details in their crypto wallet and deposit more quickly in future, without repeating the full payment journey.

Display equivalent amounts in local currency early in the payment journey to build confidence.

Drive adoption with education

Train your team

Ensure support staff can handle crypto-specific questions before launch.

Customer communication plan:

  1. Awareness: Introduce benefits via homepage banners, emails, and in-app notifications.
  2. Education: Provide FAQs, tutorials, and video explainers to build trust.
  3. Engagement: Share success stories and optimize based on usage data.

Ensure launch compliance

Review regional guidelines for your launch markets and work with your provider to meet requirements like the UK's Financial Promotions regime for crypto assets.

Phase your roll out

Start with high crypto adoption markets or customer segments with higher crypto ownership.

8. Your implementation checklist

Ensure you've covered all key aspects before launch.

  • Define your use case: Select specific stablecoin use case and test it out with our interactive demos
  • Compliance plan: Review regulatory requirements for your markets and use cases
  • Integration approach: Select your technical integration model
  • Prototype plan: Create timeline for prototype development
  • Market testing: Identify test market or user group
  • Measurement: Establish KPIs for success
  • Support: Establish customer support processes and training
  • Risk assessment: Document potential risks and mitigations
  • Launch plan: Create phased rollout strategy

Want to kick start your stablecoin strategy?

Book a free consultation