Stablecoins: Why Enterprises Should Pay Attention

[Eugene Chuvyrov]

The Genius Act, the first major piece of legislation designed specifically for the cryptocurrency world, has finally created regulatory clarity in the crypto world like we’ve literally never seen before. That clarity is about one specific part of crypto: stablecoins. Already a $240 billion market, stablecoins are attracting big names like Visa and Mastercard, while giants like Amazon and Walmart are exploring ways to issue their own to cut billions in fees. If that happens, it could dramatically reshape the financial services landscape.

Stablecoins are essentially digital dollars, pegged one-to-one with fiat currencies like the U.S. dollar. They give traders and businesses a reliable way to transact in the crypto ecosystem without the wild price swings that plague other tokens. For large enterprises, this isn’t just about cutting edge fintech, it’s about real-world savings, faster payments, and entirely new ways of transacting across borders and even across AI-driven systems.

A Quick Primer on Stablecoins

Stablecoins aren’t new. Tether (USDT) has been around since 2014, though it’s had a controversial history because of questions about whether its reserves were fully backed. That lack of transparency, combined with the spectacular collapse of algorithmic stablecoin UST in 2022, made most enterprises and governments steer clear of the sector for over a decade.

But times are changing. With the Genius Act, U.S.-based players like Circle (issuer of USDC, alongside Coinbase) are set to benefit. These regulations provide for transparency, compliance, and credibility—exactly what big enterprises need if they’re going to touch digital assets.

Why Enterprises Should Pay Attention

The name of the game for enterprises is simple: maximize business value while minimizing risk. For years, crypto was too risky and too murky. But stablecoins now sit at an inflection point where the benefits may finally outweigh the risks. Enterprises that run small pilots today can get a head start, experiment with new financial models, and prepare themselves for a world where digital payments are faster, cheaper, and borderless.

Stablecoins: Save Money and Move Faster

Credit card rewards are fun for consumers, but for businesses they’re a 3% tax on every transaction. That’s billions in interchange fees flowing to card networks. Stablecoins change the math. They can cut transaction costs dramatically while also settling payments in seconds instead of days. Imagine smoother cash flow, faster financial reporting, and a true 21st-century payments backbone. Enterprises could use stablecoins to pay vendors, issue rebates, or even accept customer payments directly. The result: cost savings, happier partners, and a competitive edge against companies that still rely on traditional rails.

Financial Certainty for the Underbanked

Not every customer or partner lives in a country with a stable local currency or efficient banking system. In places with high inflation or weak financial infrastructure—think parts of Africa or Latin America—stablecoins offer something rare: predictability. For global enterprises, enabling payments in stablecoins could mean unlocking new markets, building customer trust, and attracting developers or ecosystem partners who might otherwise face huge friction with cross-border payments.

Instant Micropayments for AI and Digital Agents

This might sound futuristic, but it’s coming fast: enterprises deploying fleets of AI agents or digital services will eventually need to figure out how to pay for unit-level work. The subscription-based SaaS model doesn’t scale when thousands of micro-services or agents are spinning up and completing tasks on demand. Stablecoins can power real-time micropayments between agents, providers, and enterprises. Picture an insurance company where one AI agent processes claims, another checks IoT device logs, and a third verifies policies. Instead of paying for idle infrastructure, the enterprise pays only for results—a validated claim, a fraud detection hit, or an eligibility review. Stablecoins make this possible with near-zero latency and low fees. In effect, every agent becomes a micro-service provider in a value-based digital economy.

Challenges and Risks

Of course, it’s not all upside. Stablecoins are still crypto, which means risk. Regulation is still taking shape, and global frameworks remain a patchwork. Enterprises will need to think hard about:

Compliance: Ensuring payments meet regulatory and tax obligations.

Integration: How to plug stablecoins into existing financial systems.

Security & Custody: Safeguarding digital assets.

User Education: Helping employees, partners, and customers understand the new system.

A smart path forward is to start with a small pilot, track metrics, and iterate.

Next Steps for Enterprises

The easiest entry point is to test stablecoins in areas where current payment systems cause friction, such as:

• Partner rebates
• Global contractor payouts
• Customer rebates in underbanked regions

By working with established providers like Circle (and their USDC APIs), enterprises can experiment without reinventing the wheel. Once the basics are working, more advanced use cases, such as agentic micropayments, become possible.

The long-term vision? A financial layer where digital agents, vendors, and customers interact seamlessly, and payments flow instantly across borders and ecosystems. But the first step is simple: make enterprise payments faster, cheaper, and more inclusive.

Stablecoins aren’t just for crypto traders anymore. They’re a serious tool for enterprises looking to cut costs, expand into new markets, and prepare for the AI-driven future of business.