Build your stablecoin wallets strategy

The 2026 guide for enterprises adding stablecoin wallets.
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1. Introduction

Your users want to send and receive money instantly across borders. Today, stablecoin technology enables that. Research from YouGov and BVNK shows 77% of stablecoin users would open a wallet with their primary fintech or banking app if offered one, they just need it to feel native.

For fintechs and enterprise, adding stablecoin wallets is an opportunity improve platform stickiness and create new revenue streams from add-ons like cards and rewards.

Businesses are already replacing parts of traditional banking with digital dollar infrastructure. BVNK's embedded stablecoin wallet volume is up 263x year on year. PSP and fintech customers now account for 75% of that volume (up from 58% twelve months ago), signaling that stablecoins have moved from crypto-native experimentation into the mainstream.

Our data also shows a broader shift toward “programmable dollars” operating outside banking hours. Half of all BVNK's stablecoin transactions happen outside banking hours: businesses are building 24/7 payment infrastructure.

Stablecoin wallets extend value beyond global send/receive flows, enabling new revenue streams.

But launching stablecoin capabilities has historically been slow: months-long delays, fragmented compliance, multiple vendors and your users stuck in third party onboarding. That's changing.

Stablecoin wallet infrastruture from providers like BVNK lets you embed stablecoin services across 130+ markets, with built-in fiat interoperability, including local rails and named USD Swift payments. With BVNK's automated customer risk assessment, eligible individuals can onboard in minutes, not days. Our embedded wallets are already powering global businesses like Corpay, Meow and TransferMate

For product or compliance leaders exploring stablecoin wallets, this guide helps you navigate the path to go-live, covering:

  • Use cases:Real-world examples (B2B payments, payroll, remittances), fund flows and interactive demos.
  • Where to launch:Global market signals and adoption metrics.
  • How it works:Setup, responsibilities, compliance – what you control vs. your provider.
  • Product capabilities:Features, onboarding and service levels. 
  • Building your experience: Design and rollout guidance.
  • Pricing:Fee structures demystified and a guide to pricing your stablecoin service.

Whether you're exploring or actively building, this guide cuts your research time by months.

If you want to dig deeper, our team is running a live Stablecoin wallets 101 session on August 13. We'll cover the fundamentals, answer questions and discuss practical considerations for teams evaluating stablecoin wallets. Register below.

2. Explore use cases: what can you build?

At BVNK, we support businesses to send, receive, store, convert, spend and earn stablecoins. The most common use cases enabled by our embedded stablecoin wallets are:


  • B2B payments: Send and receive payments cross-border with suppliers, merchants and partners, or your own entities.
  • Salary and gig payouts: Enable international workers, sellers and creators to receive wages or earnings in stablecoins.
  • P2P remittances:Faciliate peer to peer international transfers that end in stablecoins, are funded in stablecoins or use stablecoins to accelerate the middle of a transaction.
  • Global digital dollar accounts: Give your customers a global dollar account backed by stablecoins for saving, spending, earning, or making payments.

Read on to learn about these, see what market leaders are building, and test drive solutions with our interactive API demos for B2B payments, Salary payouts and Global digital dollar accounts.

B2B payments

By embedding wallets on your platform, allow your customers to:

  • Send payments cross-border to suppliers (accounts payable), merchants (PSP settlement) or internal treasury payments.
  • Receive settlements cross-border from PSPs, crypto native or international partners, affiliates, customers (accounts receivable).
  • Access a realtime global payment rail with lower fees/FX costs than traditional Swift rails. 
  • Meet demand from partners, and solve for trapped funds and settlement delays.

How it works – hold USD:

Your customer wants to hold USD but pay out to their suppliers in stablecoins.

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

How it works – hold stablecoins:

Your customer wants to hold stablecoin balances and pay out to their suppliers in stablecoins.

  • Open:Your customer opens stablecoin wallet in your platform.
  • Fund:Your customer moves funds from their fiat wallet to their newly open stablecoin wallet.
  • Convert:BVNK converts the funds from fiat to stablecoin.
  • Send/receieve:Your customer sends stablecoin payouts to the receiver, BVNK ensures payout lands in the receivers wallet.

Example fund flow: Embedded supplier payout in stablecoins

Case study

Corpay integrates BVNK stablecoin infrastructure to unlock 24/7 global payments

Challenge:

Corpay serves more than 800,000 clients worldwide, processing over $12 billion in corporate payments and $26 billion in foreign exchange each month across 145+ currencies. At this scale, moving liquidity quickly and reliably across borders is critical – yet traditional banking infrastructure operates on fixed hours and fixed rails, creating delays and inefficiencies. Businesses need flexible payment options that work beyond banking hours, with better capital efficiency and faster settlement for global transactions.

Solution:

Corpay partnered with BVNK to integrate stablecoin wallets and settlement capabilities into its platform. The integration enables Corpay's customers to hold stablecoin balances alongside fiat balances, with embedded wallets for sending, receiving, storing, and converting stablecoins directly within the platform. This gives customers access to always-on payment rails that operate 24/7.

Corpay is also integrating stablecoin settlement into its own treasury operations. This reduces reliance on pre-funded accounts, improves capital efficiency, and enables faster movement of funds across its global footprint outside of its proprietary network.

Result:

  1. 24/7 settlement capability enabling customers to move funds beyond traditional banking hours.
  2. Improved capital efficiency for Corpay through reduced pre-funding requirements and faster liquidity movement.
  3. Faster cross-border transactions leveraging stabelcoins for settlement in minutes.

44%

B2B payments represented 44% of BVNK’s stablecoin payments volume in 2025.

Demo: B2B payments

Create an instant personalized demo to see how stablecoin wallets could work in your platform.

Curious to see what you can do? Create your own experience — just one click to get started.
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Salary and gig payouts

By embedding wallets in your platform, allow international workers, sellers or creators to:

  • Recieve wages or earnings in stablecoins globally.
  • Reduce FX costs, accelerate settlement, bypass inefficient cross-border flows and hold digital dollars.
How it works

A contractor wants to receive a salary in stablecoins.

  • Fund:You fund a named wallet in USD in your platform (powered by BVNK).
  • Initiate: Contractor selects to withdraw salary in stablecoins. They create a stablecoin wallet and select stablecoins as payout method. They then select the amount and confirm withdrawal.
  • Send:BVNK automatically converts the fiat currency to stablecoins and updates the user’s USD and stablecoin wallet balance, or if user opts to receive to an external wallet – BVNK processes payment.

Example fund flow: Embedded B2C payout in stablecoins

321%

Year on year volume growth for stablecoin payouts processed by BVNK.
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 embedded 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.

Following strong contractor adoption, Deel expanded the partnership in 2026 to stablecoin salary payouts for full-time employee. Employees opt in once, stablecoins land on payday. Employers get zero new admin – Deel handles everything, powered by BVNK. Companies can also fund payroll accounts in stablecoins directly, creating a single frictionless rail from employer to worker.

Result:

  1. Settlement reduced from 3-5 days to near-instant.
  2. 10,000+ contractors in 100+ markets now have opted to be paid in stablecoins.
  3. Full-time employee stablecoin payroll now live, expanding use case from gig economy to enterprise global payroll.

Demo: Salary and gig payouts

Create an instant personalized demo to see how stablecoin wallets 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

P2P remittances


By embedding wallets on your platform, allow your customers to:

  • Send international transfers via stablecoins to family/ friends – either ending in stablecoins, funding in stablecoins or using stablecoins to accelerate the middle of transaction (the stablecoin sandwich).
  • Access lower FX fees and faster settlement for global money transfers.


How it works:

Your user in the USA wants to send money to a family member in Mexico.

  • Sign-up:Your customer opens a USDC digital dollar wallet in your app.
  • Fund:You or your customer fund the named wallet in USD in your platform (powered by BVNK). BVNK converts USD to USDC credits your customer’s balance.
  • Initiate:Your customer adds beneficiary details and sets up/confirms stablecoin payout from your platform.
  • Send: BVNK sends USDC to beneficiary wallet. 

Example fund flow: Embedded P2P payout.

Global digital dollar accounts


By embedding wallets on your platform, allow your customers to:

  • Access a global dollar account backed by stablecoins for saving, spending, earning, or making payments.
  • Access dollars outside of the US. Protect earnings/boost spending power/hedge against local currency inflation.
How it works:

Your user pays in USD to a digital dollar account for global spending, saving and earning.

  • Sign-up:Your customer opens a USDC digital dollar wallet in your app, powered by BVNK.
  • Fund: Your deposits USD into the wallet. BVNK converts USD to USDC credits your customer’s balance.
  • Send: Your customer sends USDC to a beneficiary wallet. 
  • Earn:Your customer can hold stablecoins in their wallet and earn rewards on idle funds.

Example fund flow: User pays in USD to a digital dollar account for global spending, saving and earning.

Example fund flow: User pays in stablecoins to a USD account for global spending, saving and earning.

Case study

Utoppia empowers remote workers with instant digital dollar access

Challenge:

Remote workers in emerging markets like Latin America and India face significant obstacles when receiving payments from US employers:

  • Delays of 3-5 days through traditional banking rails.
  • High fees and unfavorable currency conversion rates.
  • Limited banking options in local markets.
  • Need for stable USD currency value in regions with volatile local currencies.

Workers want access to US dollars – a stable store of value – but also need to spend and move those funds globally without friction. Traditional banking infrastructure can struggle to deliver both.

Solution:

Utoppia, a US-based fintech founded to give remote workers in emerging markets access to US dollar banking services, integrated BVNK's stablecoin infrastructure to solve this problem.

Utoppia users receive US dollar payments from employers directly into their Utoppia USD bank account. From their USD balance, they can choose to convert to stablecoins and send payouts to any wallet globally, powered by BVNK. BVNK auto-converts USD to stablecoins and settles in seconds. This enables remote professionals – like a designer in Argentina working for US companies – to maintain their earnings in dollars while accessing and spending those funds globally without friction, within a single banking experience.

Utoppia selected BVNK for its stablecoin-native approach, comprehensive product roadmap, and multi-currency capabilities (stablecoins, USD, and EUR).

Result:

  1. Near instant settlements: stablecoin payouts in seconds, not days.
  2. Stablecoin capabilities projected to grow Utoppia's annual revenue more than 40%.
  3. 50% of Utoppia's deposits projected to be in stablercoins within the year.

$4bn

In the first year since launch, volumes from BVNK's embedded stablecoin wallets have grown from zero to $4bn.

Demo: Global digital dollar accounts

Create an instant personalized demo, to see how your customers can create accounts and send or receive payments in stablecoins in your platform.

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

3. Global adoption

Key data-points to help you understand where demand is highest for stablecoin payment services.

Crypto ownership

8%
of the global population own crypto (source: Crypto.com)
760 M
Crypto owners globally (source: Crypto.com)

Stablecoin ownership

Active stablecoin wallet addresses have increased 1300% in 5 years.

Most popular stablecoins and networks

Stablecoin
Blockchains
Total wallet addresses
USDT
BNB Chain
149.7M
USDT
Tron
79.0M
USDC
Solana
35.9M
USDT
Ethereum
31.4M
USDC
Polygon
30.2M
USDC
Base
24.3M
USDC
Ethereum
18.9M
USDT
Celo
17.8M
USDT
Polygon
14.4M
USDC
Arbitrum
11.2M

Stablecoin user demographics

Globally, stablecoin owners skews young, entrepreneurial. In BVNK’s 2026 Stablecoin utility report, which surveyed around 5000 users in 15 countries, we found:

  • More than half of stablecoin owners and prospective acquirers are 18-34. 
  • 6 in 10 current/recent owners are men, but in middle- and lower-income economies, the gender split is more balanced.
  • Those earning through business, entrepreneurship or active trading are more likely to own or show interest in stablecoins.

Source: BVNK Stablecoin Utility Report 2026.

Where should you launch stablecoin wallets?

High opportunity markets show strong stablecoin adoption and fintech maturity and are well supported by infrastructure providers.

Medium opportunity markets have established but slower-growing adoption. Note that some markets are likely to be prohibited by your stablecoin infrastructure partner due to regulatory or risk restrictions. For a guide to high and medium opportunity markets, see below. 

Note: This is based on BVNK’s assessment of both market adoption signals and fintech infrastructure maturity. It is provided for informational purposes only. It aims to give an indication of where stablecoin adoption is significant and where your services might gain traction. Market demand and availability of wallet infrastructure will also depend on your use case: speak to a BVNK expert for more guidance.

Markets with strong stablecoin adoption and fintech maturity.

High opportunity markets

Argentina, Bangladesh, Brazil, Canada, Colombia, Egypt, Ethiopia, France, Germany, India, Indonesia, Japan, Jordan, Kenya, Mexico, Morocco, Nigeria, Pakistan, Philippines, South Africa, South Korea, Thailand, Turkey, Ukraine, United Kingdom, United States (all 50 states + DC + Puerto Rico), Venezuela, Vietnam, Yemen.

Medium opportunity markets

Algeria, American Samoa, Armenia, Australia, Austria, Belarus, Belgium, Bermuda, Bolivia, British Virgin Islands, Bulgaria, Cambodia, Cameroon, Cayman Islands, Chile, Croatia, Cyprus, Czech Republic, Denmark, Ecuador, Estonia, Falkland Islands, Finland, French, Polynesia, Georgia, Ghana, Gibraltar, Greece, Guam, Guatemala, Guernsey, Hong Kong, Hungary, Iraq, Isle of Man, Israel, Italy, Jersey, Kazakhstan, Kyrgyzstan, Latvia, Liechtenstein, Lithuania, Luxembourg, Malaysia ,Malta, Mann Island, Mariana Islands, Montserrat, Moldova, Nepal, Netherlands, New Caledonia, Norway, Paraguay, Peru, Poland ,Portugal, Romania, Saudi Arabia, Senegal, Serbia, Singapore, Slovakia, Slovenia, Spain, Sri Lanka, Sweden, Switzerland, Tanzania, Tunisia, Uganda, United Arab Emirates, Uzbekistan, Virgin Islands, U.S.

4. How wallets work: setup and responsibilities

Embedded stablecoin wallets enable businesses to offer stablecoin services to their customers under their own brand, in their own platform.

Who does what in an embedded model?

In an embedded model, your partner uses their digital asset license to deliver stablecoin services to your customers. They're responsible for processing payments, AML screening, KYC/B, and meeting regulatory standards set by their regulator. 

Below we explain how this works operationally and legally (including compliance responsibilities, custody and onboarding process), using BVNK as the example provider. We also outline the key differences depending on whether your provider or your team manages customer verification.

Your provider manages KYC/B
You manage KYC/B
Who’s it for?
Enterprises (including fintechs, neobanks, PSPs, marketplaces or tech platforms) who want to offer stablecoin services under their brand to their customers.
Regulated Financial Institutions (FIs), who want to offer stablecoin services under their brand to their customers.
Supported users
Businesses, individuals.
Flow of funds
Move funds on behalf of your users, or enable them to move funds directly via your platform.
Licensing
BVNK provides regulated services to your customer.
Onboarding
BVNK onboards you as a partner. You collect & pass KYC/B data to BVNK, BVNK verifies. Or BVNK collects from your users at sign up, and verifies. 
BVNK onboards you as a partner. You collect & verify KYC/B of your users. You share the data to BVNK in the background for reference.
Transaction monitoring
BVNK handles KYT/transaction monitoring.
Payment instructions
You integrate with BVNK via API. Your customer can send payment instructions via your platform
Wallet types
EUR, GBP, USD, all supported stablecoins.
Custody
BVNK custodies your users’ stablecoins (end-user self custody models available).
Liquidity
BVNK provides stablecoin liquidity and conversions.
Integration options
Embedded into your app or platform via API (access to BVNK portal as required).
UX
You control user experience and branding.
Launch speed
Custom build: c.4 weeks (depending on your resource).

Example of roles and responsibilities in an embedded model

Compliance FAQs

Does my business need to handle stablecoins?

There’s no need to handle stablecoins yourself if you prefer not to. In an embedded model, your provider delivers stablecoin services directly to your users through your platform. You leverage your provider’s digital asset licenses and they custody the stablecoins on behalf of your users.


How does custody of digital assets work?

In a custodial model, your customer’s stablecoin wallet is provided by your stablecoin partner and that provider securely holds and manages funds, handling compliance, (eg KYC and AML transaction monitoring) security, and operations. 


In a self custody model, your user can create their own self-custodial stablecoin wallet in your app. They then control their own funds and private keys, and are responsible for their own funds. Your stablecoin partner may offer advanced recovery options for self-custodial wallets – for example, email-based recovery instead of relying solely on seed phrases.

It can be helpful to offer both custodial and self custodial options to your users – depending on local regulations, and user preferences. However it’s worth noting that self-custody wallets may be limited in their connectivity, since providers may not be able to offer regulated services such as conversion, through self custodial wallets.

How are funds safeguarded? 


If your provider is keeping custody of digital assets on your behalf (ie they provide custodial wallets to your users), they should follow strict segregation practices to keep your digital assets safe.


Ensure your provider maintains a strict distinction between the treatment of fiat (traditional currency eg e-money ) and digital assets (stablecoins/crypto) to ensure compliance with relevant global regulatory standards. For example, under European payments and digital asset regulations, ‘Safeguarding’ refers to the regulation protection framework for e-money, while ‘Safekeeping’ is the name of the regulatory framework for digital assets in stablecoins. Your providers’ safeguarding and safekeeping practices should be subject to regular internal audits and external regulatory reporting to authorities.

For crypto assets, they must also maintain 1:1 asset backing and a full-reserve model (meaning they don’t engage in fractional banking, lending, or rehypothecation). Stablecoin payment providers should also keep an internal ledger – a real-time internal record of each client’s holdings and carry out daily reconciliation to cross-reference internal records with blockchain entries and bank statements to ensure our assets are always identifiable and 100% accurate. 

Who manages compliance and AML?

Under an embedded model, your partner is using their digital asset license to deliver stablecoin services to your customers – they are responsible for processing payments, for AML screening, KYC/B, custody and meeting the standards set out by their digital asset licence.  


Ensure your provider monitors transactions in real time using a combination of blockchain screening, sanctions screening, geolocation controls, and transaction monitoring rules. These controls are used to detect suspicious activity, identify exposure to prohibited or high-risk counterparties, and support AML investigation where needed.


At times, your provider may need to escalate or investigate transactions to meet regulatory requirements. Ask your provider about their process for this. For example, BVNK’s framework supports manual review and specialist escalation. This includes requests for information, deeper investigations, suspicious activity reporting where required, sanctions assessments, and local compliance oversight.

Who handles Travel Rule compliance?

The Crypto Travel Rule is a key piece of AML regulation for digital assets. It requires certain identifying information about the sender and recipient of digital asset transfers to be shared between cryptoasset service providers. It is now in force in many regions across the world. In an embedded model, your provider is responsible for Travel Rule compliance. This means they must collect and validate relevant sender and beneficiary information for applicable transactions, while preventing non-compliant transfers from being processed, in line with jurisdictional requirements. These requirements will impact certain parts of your user experience and operations – be sure to ask your provider what this means for you.

Who is responsible for customer support?

In most cases, you are still responsible for customer support and most businesses prefer to keep full control of direct communications with their own customers. It’s advisable to put in place SLAs with your provider to ensure their technical and support teams are on hand to quickly respond to and work with your support team, to resolve any issues that your customers face.

5. Product capabilities 

A stablecoin wallet enables you or your users to store, send, receive and convert stablecoins. It also enables you to layer on top new products and revenue streams like cards and rewards.

Core functionality

Multi-currency balances

A ‘stablecoin wallet’ can be referred to as ‘stablecoin-linked’ account. The key difference is the 'hold' currency. In a stablecoin-linked account, the balance is typically held in a fiat currency eg USD, but the wallet is connected to stablecoin rails, meaning you can pay in and out of the wallet using stablecoins. In a stablecoin wallet, the hold currency is stablecoins.

BVNK offers both options – hold balances and make payments in stablecoins, USD, EUR or GBP, and exchange between balances on demand, 24/7/365.

Hold stablecoins in a wallet, pay in/out in stablecoins or fiat.

Hold USD in a wallet, pay in/out in stablecoins or fiat.

Interoperable with fiat

To get the full benefits of a stablecoin wallet, it should be connected to fiat payment rails, so your users can deposit into their wallet and withdraw or pay out using relevant local and international payment rails. BVNK enables users to make payments via blockchains, or fiat payment rails including Swift, ACH, FedNow, SEPA.

Auto-conversion 

Enabling stablecoin payments is only part of the solution: converting it seamlessly matters just as much. Opt for infrastructure that supports automatic conversion into your preferred settlement currency, whether stablecoin or fiat, at the point of receipt or payout. This ensures operational efficiency and minimizes FX risk.

Supports multiple networks and tokens (no lock-in)

Different blockchains suit different payment types (eg Solana for micropayments) or USDC, while users in different regions may prefer different stablecoins (USDT, USDC, PYUSD). Give users compliant options across stablecoins, and networks like Binance Smartchain, Solana, Ethereum, Tron, and Polygon while incentivizing use of any preferred chains or tokens.

Named accounts and payments

Under the hood, some embedded wallets may use an omnibus or pooled account in your name. To make your reconciliation easier, look for a provider that can issue segregated named virtual accounts in your customers’ names, for the currencies (and payment rails) you need.

Onboarding and support

Automated user onboarding 

The time it takes to onboard your users to stablecoin services has historically been a bottleneck across the industry, but this is changing, unlocking a step-change in time to launch. BVNK’s average onboarding time for eligible individuals is now under 1 minute. Onboarding for business users is also 75% faster, with straight-through approvals for eligible businesses.

Customer onboarding completed and account verified.

Launch support

Your embedded stablecoin partner should be there to support you with:

  • Go to market compliance: sharing real word examples on market adoption  and use cases, and reviewing your user experience and marketing for adherence to relevant financial regulations.
  • Team training: Ensuring your team staff understand the service and can handle stablecoin-specific questions from users if needed.
  • Customer communication: provide examples how to introduce benefits of stablecoin wallets (eg via homepage banners, emails, and in-app notifications) and educate customers (eg via FAQs, tutorials, and video explainers)
  • Driving adoption: reviewing usage and incentivization options for your users. 


Ongoing customer support

It’s important you can resolve any issues quickly for your users, and that your provider enables you to deliver a high level of service. While your provider may not deal directly with your users, ensure you have SLAs in place with them for customer support. For example, BVNK’s average response time on support tickets is 3 minutes, with 24/7 support in place.


Value added services

Stablecoin cards

Users get a card linked to their stablecoin balance and can spend anywhere cards are accepted. For example, a remittance app user with an embedded stablecoin wallet sees an option to "Get a card" - they are issued a card by accepting some additional terms and in most cases, no additional information required. The user can view their card number, set/change pin within their app. They can add their card to Apple / Google pay. When they transact with this card, they see transactions pending/completed/ declined with merchant name, USD and local currency for the expense/charge. 

User adding a stablecoin cards to their Apple wallet.

Rewards

Your users earn rewards on stablecoin balances automatically, without locking up funds. This keeps balances active and extends the relationship beyond the initial wallet use case

6. What to expect from wallets pricing

A guide to provider fees

The following are typical examples of fees you may incur with your stablecoin infrastructure partner.

Note: to discuss custom pricing for your needs, please reach out to the BVNK team. 

Fee type
Description
How much?
Who pays?
Network fee
Known as ‘Gas’, these fees are charged by each blockchain. Paid to incentivise miners or validators in the processing of transactions.
Varies by blockchain. Eg Ethereum is often higher-cost; Solana is lower. 

Eg for a $5000 USDT transfer:Ethereum (ERC-20): ~$1-5Solana: ~$0.00025-0.001TRON (TRC-20):~$1-3
Bitcoin: ~$1-20

Your or your users. 

Some providers won't charge if the cost is very low. BVNK for example only charges for Ethereum, Bitcoin, and Tron.
Wallet fee
A set fee per active wallet issued.
Set fee varies based on volume of active wallets.
Your customer.
Processing fee
Typically a % fee charged by your payment provider. Most providers offer volume-based pricing tiers.
0.3-2%
You or your customer.

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

Higher spreads can decrease conversion on a pay-in, so find a provider that gives you flexibility on whether to apply this fee, or whether it's baked into your processing fees.
Integration/ set up fee
If deeper integration is needed, providers may charge a set up or onboarding fee.
Varies significantly.
You
Platform or account fee 
Set monthly account or SaaS platform subscription fee.
Varies significantly.
You
Minimum monthly commitment
Upfront commitment to process a minimum monthly volume. Providers often allow a grace period for new customers. 
Varies by provider.
You

A guide to pricing your stablecoin service

Strategy
Goal
Typical fee approach
Example pricing
Best for
Adoption-led pricing
Drive initial user adoption and transaction volume.
Lower fees, discounts, or subsidized costs during launch phase.
• 0–0.3% processing fee for first 3–6 months.
• No wallet fee during onboarding.
• Subsidized network fees on selected chains.
• Reduced or waived conversion spreads for initial transactions.
Early-stage rollout, user acquisition, increasing wallet activation and transaction frequency.
Sustainable recurring fee model
Build long-term scalable revenue.
Permanent usage-based pricing aligned to customer activity and value delivered.
• 0.5–1.5% processing fee.
• Monthly active wallet fee (eg $1). 
• Network fees passed through to end users. 
• Volume-based discounts for larger customers.
Mature programs, enterprise customers, long-term monetization.

7. Building your stablecoin experience

Your stablecoin infrastructure partner should guide you through designing your user experience, giving best practices examples and helping you understand how to stay compliant.

Creating your sign-up experience

Include key information on your sign-up page to ensure your users understand the service they are signing up to,.

Before you start, ask your provider: How long does user review and verification take? How are applications approved/rejected? How should you communicate decisions and application status to users?

Example interface: sign up page for stablecoin wallets.

What information will you need to collect from your users?

You’ll need to give your embedded wallets provider certain information about your user to enable signup. This may change based on region and type of customer (ie business or individual), but is likely to include:

  • Full name
  • Email address
  • Role (where applicable)
  • Date and time they accepted BVNK’s service terms
  • IP address when accepting BVNK’s service terms

You can ask your users to provide this when they sign up to the service, or pass it to your provider via API. 

Learn more about the documents and information you’ll need to successfully onboard your customers to services powered by BVNK:

Designing your user journeys

Ask your provider for guidance on legal requirements and UX best practice for designing key user flows, including:

  • Creating and naming their first wallet 
  • Adding recipients and senders 
  • Receiving stablecoins
  • Sending stablecoins 
  • Confirming the payment
  • Accessing account statements and transaction history 

Below we share a few examples.

Example of your customer adding a contact in their stablecoin wallet.

Example of your customer requesting a payment from a payer in USDC to a USD wallet (funds are auto-converted to USD).

Example of your customer sending a stablecoin payout from a USD wallet.

Launching your stablecoin service

Your stablecoin wallets partner should be there to support you with:

  • Go to market strategy: sharing their expertise with you on markets and use cases, and reviewing your user experience and marketing for accuracy
  • Team training: helping your team to understand the new service and handle stablecoin-specific questions from users if needed.
  • Customer communication: sharing best practice examples on how to introduce benefits of stablecoin wallets (eg via homepage banners, emails, and in-app notifications) and educate customers (eg via FAQs, tutorials, and video explainers)
  • Driving adoption: helping you evaluate usage and incentivization options for your users if needed.

Example interface: introducing stablecoin wallets to your users.

Want to kick start your stablecoin wallets project?

Speak to an expert