The Growing Push to Build Stablecoin Infrastructure

Stablecoins are a unique type of cryptocurrency designed for stability. 

Unlike Bitcoin or other volatile crypto assets, a stablecoin is typically pegged to a reserve asset (often a fiat currency like the US dollar) so that its value remains steady. 

This stability makes stablecoins a more reliable medium of exchange compared to other cryptocurrencies, which is why they are gaining traction in the business world. 

In fact, the total stablecoin market has exploded in recent years – surpassing $250 billion in market cap as of mid 2025 – and their usage is skyrocketing. 

In 2024, stablecoins handled $27.6 trillion in transaction volume, even outpacing the combined volumes of Visa and Mastercard for the year. 

It shows – they’re quickly becoming an integral part of global finance.

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Looking to integrate stablecoins into your business? Start by creating a CoinGate account. 

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Why Stablecoins Matter for Business

Stablecoins offer the benefits of cryptocurrency (fast digital transfers, global reach, 24/7 availability) without the wild price swings. Because each stablecoin unit is backed by or tied to a stable asset, its price stays near-constant. 

This means a business can accept a payment in, say, a USD-pegged stablecoin today and be confident it will still be roughly equal to one dollar tomorrow – a stark contrast to accepting payment in something like Bitcoin, which could lose (or gain) 10% of value overnight. 

In practical terms, stablecoins combine the real-time, borderless payment capability of crypto with the financial predictability of traditional currency.

For business decision-makers, this opens up intriguing opportunities. Cross-border payments are a prime example. Sending money internationally through traditional banks can be slow (days to settle) and costly (fees, forex spreads), but stablecoins can be sent globally in minutes at low cost. 

As S&P Global notes, stablecoins enable “smoother transactions, faster settlements, and lower costs for cross-border payments”, especially in regions where traditional banking is inefficient. It’s no surprise that emerging markets have been early adopters – 71% of firms in Latin America already use stablecoins for cross-border B2B payments, leveraging their speed and 24/7 availability to move funds efficiently. 

Stablecoins are also being used for remittances and international payroll, providing quicker, cheaper transfers for businesses and individuals alike.

Regulatory clarity is another driver of the current stablecoin infrastructure boom. Around the world, regulators are acknowledging the importance of stablecoins and crafting rules to integrate them safely into the financial system. In Europe, the new MiCA (Markets in Crypto-Assets) framework went into effect in 2024, creating a clear regime for stablecoin issuance and operation (including strict reserve requirements and transaction caps for major issuers). 

This kind of regulatory certainty gives businesses confidence that stablecoins are here to stay. The United States is also moving in this direction – for example, lawmakers have proposed a “Payment Stablecoin Act” to establish federal oversight for stablecoin issuers, which proponents say would legitimize the asset class and help preserve the US dollar’s dominance. 

Globally, the trend is toward clear guidelines: fewer and fewer companies now cite regulation as a barrier to using crypto. In fact, 86% of banks and payment providers recently reported that their infrastructure is ready to support stablecoins, shifting focus from pilots to real execution. 

In other words, the industry has moved past the experimental stage. One survey of nearly 300 finance executives found that 90% have stablecoin payment programs either live, in pilot, or planned, with cross-border payments leading the way. 

The message is clear: stablecoins are entering the mainstream, and businesses are preparing accordingly.

Building Stablecoin Infrastructure: What Does It Involve?

Given this momentum, what does “building stablecoin infrastructure” actually mean? In essence, it means creating the technical and financial rails that allow stablecoins to be used easily, safely, and at scale. 

This involves a combination of technology, compliance, and integration with existing financial systems. Key elements include:

• Secure Wallets and Custody: Businesses need reliable digital wallets or custody solutions to hold stablecoins on behalf of users or as treasury assets. Security is paramount – controlling private keys and preventing unauthorized access – because stablecoin transactions are irreversible. (Notably, companies have been beefing up tech in this area; for example, in one region 92% of firms said their wallet and API systems are now stablecoin-ready.)
  
• Payment APIs and Gateways: Just as online businesses use payment gateways for credit cards, they need similar APIs to send and receive stablecoins seamlessly. This infrastructure allows e-commerce checkouts, billing systems, or mobile apps to integrate stablecoin payments. Many payment providers are building these rails – in aforementioned surveys, 41% of firms cited fast, reliable payout networks as a top infrastructure requirement for stablecoins.
  
• Banking and Fiat Integration: Stablecoins don’t exist in a vacuum – users often want to convert stablecoins to regular money and vice versa. Thus, infrastructure includes bridges between stablecoins and the banking system. This means ensuring 1:1 reserve backing (so that a stablecoin can be redeemed for real currency) and having liquidity on/off ramps (like exchanges or services to swap stablecoins for USD, EUR, etc.). Efficient fiat-to-stablecoin conversion was named as a priority by about 31% of companies surveyed, highlighting the need for smooth integration with traditional finance.
  
• Regulatory Compliance Tools: Any serious stablecoin platform must bake in compliance for KYC (Know Your Customer), AML (Anti-Money Laundering), and transaction monitoring. This is critical both for legal reasons and to manage risk. Businesses are investing in compliance APIs, chain analytics, and reporting systems so that using stablecoins won’t mean skirting regulations. In industry surveys, around 34% of firms emphasized compliance and transparency as key parts of the infrastructure. Clear audit trails and adherence to regulations build trust with users and regulators alike.
  
• User Education and Support: Since stablecoins are relatively new to many, infrastructure-building also involves educating users and clients – for instance, guiding them on how to set up wallets, manage private keys or addresses, and understand fees. This “softer” infrastructure ensures that staff and customers can comfortably adopt stablecoin-based services. Companies that invest in training and support will smooth the path for broader adoption.
  
• Emerging Use Cases (DeFi and Beyond): Part of building out stablecoin infrastructure is anticipating new use cases. For example, stablecoins are the lifeblood of many decentralized finance (DeFi) platforms – businesses may tap into DeFi protocols for lending, yield generation on stable holdings, or trade finance. Stablecoins also unlock new B2B payment flows: firms can settle invoices, pay suppliers, or manage treasury across borders in minutes. We’re already seeing innovative examples, such as using stablecoins in supply chain and telecom industries.

This is not just theory – real-world players are actively constructing and leveraging stablecoin infrastructure today. 

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Feel like it’s time to start using stablecoins in your business? Take the first step and create a CoinGate account.

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For instance, Fireblocks reports that stablecoin transactions on its network now make up roughly half of all volume, reaching about $40 billion per quarter, as they help power payments for over 300 banks, fintechs, and payment processors across 75+ countries. 

On the industry-specific side, consider Zeebu: a blockchain-based telecom payments platform that uses stablecoins to modernize how telecom carriers settle with each other. Zeebu leveraged stablecoin infrastructure to process $5.7 billion in cross-border transactions, settling 99,000 B2B invoices across 139 carriers – all in its first months of operation. 

The result wasn’t just cost savings, but also growth and efficiency gains in a global telecom market worth $120+ billion. These examples show the tangible business value of stablecoin infrastructure: from fintech platforms enabling faster transactions, to niche players unlocking new revenue streams, stablecoins are becoming part of the financial plumbing.

Challenges and Considerations

While the trend is clearly toward greater stablecoin adoption, building stablecoin infrastructure comes with challenges that business leaders must keep in mind. 

Regulatory scrutiny is intense – and for good reason. Unregulated or poorly managed stablecoins could pose risks to financial stability, so authorities want to ensure strong safeguards. As an S&P analysis warned, without proper oversight, stablecoins could undermine financial stability, consumer protection, and the smooth functioning of the financial system. 

Regulators globally now focus on things like liquidity and reserves (making sure each stablecoin is truly backed by assets), as well as transparency and accountability from issuers. 

In fact, inadequate reserves or poor governance in a major stablecoin could lead to instability – for example, a loss of confidence or a “run” on a stablecoin if people doubt its backing. 

To prevent such scenarios, new rules (like MiCA in the EU) require audits, reserve disclosures, and in some cases limit the scale of non-bank stablecoin issuers. 

Even in the U.S., draft legislation would require issuers to maintain one-to-one reserves and undergo oversight, treating stablecoin issuers a bit like banks. All of this means any business dealing in stablecoins must stay on top of compliance and risk management.

Financial transparency and security go hand in hand with regulation. Recent history has shown that if a stablecoin issuer isn’t fully transparent, it can attract punitive action – for example, one major issuer was fined $41 million by the CFTC for misleading statements about its reserve assets. 

Questions around what exactly backs a stablecoin have led regulators to demand clearer disclosures. Businesses should therefore partner with stablecoin providers that publish audits or attestations of their reserves. 

Moreover, like all digital assets, stablecoins can be misused if proper controls aren’t in place – they could potentially facilitate money laundering or fraud if transactions aren’t monitored. This is why robust compliance (transaction screening, wallet whitelisting, etc.) is essential in any stablecoin payment system. 

The good news is that tools for on-chain analysis and compliance are getting better, allowing firms to trace transactions and ensure funds aren’t going to sanctioned or illicit destinations.

Another key consideration is cybersecurity. By design, stablecoin infrastructure is highly digital and often decentralized, which can make it a target for hackers. Exchanges, wallet providers, and merchants handling stablecoins must implement enterprise-grade security to protect private keys and prevent breaches. 

The industry recognizes this need: over a third of institutions (36%) say that stronger security and fraud protection measures would further encourage stablecoin adoption, according to previously mentioned reports. 

From multi-signature wallets to hardware security modules and insurance against hacks, businesses should treat stablecoin custody with the same rigor as any large financial operation. The bottom line on challenges is that stablecoins, despite their promise, require responsible infrastructure. 

Regulatory compliance, transparency, and security are not afterthoughts – they are foundational to building trust and ensuring stablecoins truly deliver stable value.

Embracing the Stablecoin Future (Our Perspective)

The rapid rise of stablecoins represents a new era of opportunity for business payments. 

Companies that harness this trend can benefit from faster settlements, lower costs, and access to new markets and financial innovations. We’re past the point of asking if stablecoins will play a role in B2B and consumer payments – the question now is how to implement them in a safe, scalable way. This is where forward-thinking payment infrastructure providers come in.

At CoinGate, we’ve been actively building out stablecoin capabilities as part of this broader industry shift. Our mission has always been to make crypto payments simple and accessible for businesses, and stablecoins are a natural extension of that. 

Today, CoinGate’s platform enables businesses to accept stablecoin payments from customers just as easily as they would accept Bitcoin or a credit card. Merchants can seamlessly receive these assets for their goods and services. 

For companies, this means tapping into new customer segments (like crypto-savvy buyers or clients in high-inflation countries) while avoiding volatility – a payment in stablecoins can immediately be converted to a pegged fiat value.

Beyond acceptance, we’ve expanded our tools so businesses can send, deposit, and manage stablecoins alongside other crypto assets. 

Through CoinGate, companies can pay out vendors or contractors in stablecoins, accept stablecoin payments, or hold stablecoins as a hedge against local currency fluctuations.

Our dashboard and APIs make these processes straightforward, handling the heavy lifting of blockchain transactions and compliance in the background. 

Crucially, we take care of regulatory compliance and security – CoinGate’s systems include identity verification, anti-fraud checks, and secure custody, so that our users can leverage stablecoins with peace of mind. 

We believe that by integrating stablecoins into everyday business finance, companies can unlock faster cross-border transactions, improve their treasury efficiency, and be ready for the increasingly digital, borderless economy.

The trend toward stablecoin infrastructure is about adding real business value. It’s not hype – it’s about solving payment pain points and modernizing finance. A stablecoin payment that settles in seconds can mean a supplier gets paid in an hour instead of a week, or an e-commerce platform can instantly pay out sellers around the globe. 

It can mean a small business in Asia can transact with a client in Europe without either side losing money to bank fees or waiting on wire transfers. These are tangible improvements. As a leading crypto payments gateway, CoinGate is excited to be part of this transformation. 

We’re continuing to develop and refine our stablecoin support because we see how it helps businesses operate faster and more efficiently, while also opening the door to financial innovation like DeFi yields or tokenized assets down the line.

So, if you’re a business leader curious about how stablecoins might enhance your payment workflows or global reach, we invite you to explore CoinGate’s toolbox of crypto and stablecoin payment solutions. 

Our team is here to help you navigate this new landscape and determine if stablecoins align with your needs. The world of payments is evolving, and those who build on stablecoin infrastructure today may gain an edge in speed, savings, and customer satisfaction tomorrow. 

Interested? Sign up for an account today.