Business and merchants

Checklist: Are Stablecoins a Good Fit for Your Business?

And is Your Organization Ready to Start Accepting Them?

Some businesses that switch to stablecoins cut payment costs from the very first transaction. Others try them, find no real use, and quietly go back to cards and bank transfers a month later.

The difference is rarely the technology. It comes down to whether stablecoins solve a problem you actually have — slow cross-border payments, high card fees, or a growing list of contractors to pay — and, if you already use them, whether your team handles them carefully enough that one mistake doesn't cost you the payment outright.

Answer the questions below to find out where your business stands.

Are Stablecoins a Good Fit for Your Business?

Pick the option below: if you haven't worked with stablecoins yet, take the business diagnostic. Already accepting stablecoins? Check how solid your process really is.

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1 Do you send or receive payments across borders?

2 Do you run into high fees, delays, or declined transactions on cross-border payments?

3 Do any of your clients or partners already hold funds in crypto or USDT/USDC?

4 Is your business in a category with high card-processing fees (iGaming, high-risk e-commerce, subscriptions, and similar)?

5 Do you make frequent payouts to many recipients — affiliates, freelancers, or teams?

6 Do you ever send small-value payments where the card or bank fee eats up a disproportionate share?

7 Does your team have a developer who can set up payment acceptance through an API?

8 Are you comfortable settling in a stablecoin or straight into fiat, rather than in volatile crypto like BTC or ETH?

9 Are you ready for meticulous crypto record-keeping for tax reporting — the rate on the date of each transaction, gains on conversion, and so on?

1 Do you pay contractors in other countries?

2 Do you run into delays or high bank fees?

3 Does the company have contracts and invoices for these transactions?

4 Have you defined the approved tokens and networks for each transfer type and recipient?

5 Do you verify that the address actually belongs to the recipient?

6 Do you send a test transfer before sending a large amount to a new address?

7 Are payment creation and payment approval handled by different people?

8 Does your product team have backup access to the wallet?

9 Have you set limits on the stablecoin balance held in the wallet and on the size of a single transaction?

10 Is there a documented process for what to do if a transfer is blocked or something goes wrong?

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