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.
Cross-Border Payments (FX Stablecoin Swaps)
Use stablecoin rails with automated FX swaps to reduce cost and time for B2B/SME cross-border payments.
On-Ramp (Fiat → Stablecoin)
Card/ACH/bank transfer on-ramps to convert fiat into stablecoins with fraud controls and compliance.
Off-Ramp (Stablecoin → Fiat)
Fast payouts to bank accounts or cards by converting stablecoins to local currencies with compliance checks.
Scheduled/Recurring Payments
Automate recurring invoices, payroll, or subscriptions in stablecoins with programmable schedules.
Streaming Payments (Per-Second Payroll)
Real-time value streaming for payroll, SaaS and royalties using on-chain streaming primitives.
Request-to-Pay (Invoice-Based)
Invoice generation, approvals, and settlement with stablecoins; automatic reconciliation to ledgers.
Tokenized Deposits (Bank-Issued)
Bank liabilities issued as tokens to enable programmable, instant settlement with traditional safeguards.
Yield-Bearing Stablecoin Savings (CeFi/DeFi)
Consumer and SME savings accounts that route to curated DeFi/CeFi yields on high-quality collateral.
Time-Locked Stablecoin Deposits
Fixed‑term deposits paying higher yield for commitments, tokenized with tradable lockup positions.
Multi‑Currency Stablecoin Savings
Hold and allocate savings across USD, EUR, and other fiat‑pegged stablecoins with automated FX.
Stablecoin Sweep Account
Automatically move idle operating cash into curated, risk‑managed stablecoin yield strategies.
Shariah‑Compliant Stablecoin Savings
Savings products screened by Shariah principles using commodity‑backed or non‑interest yield models.
Stablecoin Credit Line (Secured/Unsecured)
Flexible credit lines disbursed and repaid in stablecoins with cash‑flow or collateral underwriting.
Overcollateralized Lending (Borrow Stablecoins)
Borrow stablecoins against crypto collateral with risk‑adjusted interest rates and liquidations.
Under‑Collateralized SME Lending
KYC'd credit to SMEs with on‑chain receivables and bank data, disbursed in stablecoins.
Stablecoin BNPL
Checkout financing in stablecoins with risk engines and repay‑over‑time schedules for global users.
Microloans in Stablecoin (Wallet‑Native)
Small, rapid loans delivered to wallets leveraging mobile KYC and alternative data for underwriting.
Stablecoin Margin Credit (Exchanges)
Exchange margin credit lines collateralized by stablecoins for professional trading.
DAO Treasury Credit Line
Extend credit facilities to DAO treasuries with on‑chain governance approvals and covenants.
Retail Stablecoin Wallet (Self‑Custody/Custodial)
Multi‑chain wallets optimized for stablecoin UX, recovery, and off‑ramp integrations.
Merchant Stablecoin Wallet (POS Settlement)
Accept and settle stablecoin payments in‑store and online with tax and accounting integrations.
Multi‑Signature Enterprise Wallet
Policy‑controlled enterprise custody with approvals, spend limits, and audit logging.
Programmable Wallet (AA/Policy/Agents)
Account abstraction wallets with programmable policies, session keys, and agent‑driven automations.
Mobile Wallet with QR/Pay Links
Consumer wallets focused on QR codes and payment links for low‑friction acceptance.
Cold Storage Vaults (Institutional Custody)
Qualified custody with cold storage, insurance, and segregated accounts for institutions.
Automated Liquidity Pools (Stablecoin FX)
Concentrated liquidity pools optimized for stablecoin pairs and FX routing with MEV protections.
On‑Chain Treasury Management
Cash management for DAOs and fintechs: policies, approvals, and automated allocations to yield.
Tokenized Money Market Funds
Tokenized MMF shares offering cash‑like yield and T+0 settlement for treasury operations.
RWA Token Exposure (T‑Bills, Bonds)
On‑chain access to short‑duration Treasuries and investment‑grade credit via tokenized funds.
Cash Sweep Between Stablecoins (USDC ↔ USDT)
Smart routers to optimize yield and liquidity across stablecoins while minimizing slippage and risk.
Programmable Escrow Contracts
Milestone‑based escrow with dispute resolution, oracles, and role‑based approvals for B2B work.
Embedded KYC/AML Wallets
Wallet SDKs with built‑in identity verification, sanctions checks, and real‑time risk scoring.
Sanctions‑Screened Transfers
Transaction gating and screening with blockchain analytics and watchlist checks for compliant flows.
Programmable Spending Limits
Policy engines to enforce per‑day caps, merchant categories, and whitelists on wallets/treasuries.
Stablecoin Transaction Monitoring
Real‑time monitoring and alerting for risk, heuristics, and anomalous flows across chains.
Smart Contract Audit Insurance
Parametric coverage and claim assessments for smart contract exploits and protocol failures.
CBDC‑Ready Compliance Adapters
Bridges and policy adapters to interoperate with CBDC rails while maintaining programmable controls.
Stablecoin Murabaha Financing
Asset‑backed cost‑plus financing structured to meet Shariah requirements and settled in stablecoins.
Tokenized Waqf/Endowment Accounts
Programmable endowments with transparent disbursements and governance aligned to Waqf principles.
Zakat Auto‑Calculation & Deduction
Automated Zakat assessment and compliant disbursement from stablecoin wallets to verified charities.
Green Stablecoin Accounts (Carbon‑Linked)
Accounts that auto‑offset emissions via tokenized carbon credits while earning stable yield.
NGO/Aid Distribution Wallet
Programmable disbursements to beneficiaries with KYC, geofencing, and offline‑capable proofs.
Cross-Border Payouts
Instant, low‑cost payouts for freelancers and remote workers using stablecoins.
DeFi Yield Aggregator
Optimize stablecoin yields across DeFi protocols with automated, risk‑aware allocation.
Corporate Treasury
Manage cash reserves in stablecoins with compliance, reporting, and segregation controls.
Merchant Checkout
Stablecoin payment gateway for e‑commerce with instant settlement and low fees.
Supply Chain Finance
Tokenize invoices and enable instant trade finance using stablecoins as settlement.
Stablecoin Savings
High‑yield savings accounts for consumers routed to curated stablecoin lending markets.
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