What Are Stablecoins?
Stablecoins are cryptocurrencies designed to maintain a stable value, typically pegged 1:1 to a fiat currency like the US dollar. Unlike Bitcoin (which can swing 5-10% in a day), stablecoins stay at approximately $1.00.
The three most popular stablecoins:
| Stablecoin | Peg | Issuer | Market Cap | Blockchain Support |
|---|---|---|---|---|
| USDC | USD | Circle | ~$60B | Ethereum, Solana, Polygon, Arbitrum, Base |
| USDT | USD | Tether | ~$140B | Ethereum, Tron, Solana, Polygon |
| DAI | USD | MakerDAO | ~$5B | Ethereum, Polygon |
Why Merchants Love Stablecoins
No Volatility Risk
When a customer pays 100 USDC, you receive the equivalent of $100. No price fluctuations between payment and settlement.
Instant Confirmation
Stablecoin transactions confirm in 1-30 seconds depending on the blockchain. Compare that to 3-5 business days for international bank transfers.
Dramatically Lower Fees
Credit card processing: 2.5-3.5% + fixed fee. Stablecoin payment via WickiePay: significantly less, with no hidden charges.
Zero Chargebacks
Blockchain transactions are final. No disputes, no fraud-related reversals, no chargeback fees.
24/7/365 Availability
No banking hours, no weekends, no holidays. A customer in Singapore can pay at 3 AM Sunday and the payment settles immediately.
How It Works with WickiePay
- Customer selects stablecoin at your checkout (USDC, USDT, or DAI)
- Payment confirms on-chain in seconds
- AML screening runs automatically (Travel Rule compliant)
- Settlement — choose EUR/CHF to your bank (daily) or hold in stablecoin
Use Cases
- E-Commerce: international orders without FX fees
- SaaS subscriptions: recurring payments from global customers
- B2B invoicing: pay suppliers or receive from clients across borders
- Freelancers & agencies: receive payment from international clients instantly
Getting Started
Accepting stablecoins with WickiePay takes under 48 hours. Integrate via API or use our no-code Hosted Checkout — stablecoins are enabled by default alongside Bitcoin, Ethereum, and 90+ other assets.
Frequently Asked Questions
Stablecoin payments use cryptocurrencies pegged to fiat currencies (usually USD or EUR). The most popular stablecoins — USDC, USDT, and DAI — maintain a 1:1 value with the US dollar, eliminating the price volatility associated with Bitcoin or Ethereum.
Stablecoins offer instant settlement (no 3-5 day bank delays), near-zero transaction fees, no chargebacks, and 24/7 availability. They're especially valuable for international payments where traditional banking is slow and expensive.
A customer selects USDC, USDT, or DAI at checkout. The payment confirms in seconds on the blockchain. WickiePay automatically converts to EUR and transfers to your bank account daily — or you can hold in stablecoins.
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