The best business accounts for USDC and USDT in 2026
Most multi-currency business accounts do not touch stablecoins. Here is which ones do, what to check, and how to keep USDC and bank money in one account.
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Search the price lists of Wise Business, Airwallex, WorldFirst and Revolut Business in the UK and you will not find a USDC line. Payset lists crypto exchange through a separately licensed group company, not available to UK residents or UK companies. For a company paid in stablecoins, that usually means a second account at an exchange, and money moving between the two.
Price lists were read in November 2026.
What a company needs from a stablecoin account
Both major coins. Clients and suppliers use USDC and USDT. An account that holds one forces conversions you did not plan.
The right networks. A transfer sent on the wrong network does not arrive. The account should list the networks it accepts and check before sending. Our guide to USDT and USDC networks and fees covers the differences.
A shown rate. Converting USDC to dollars should show the rate and fee before you confirm.
A bank exit. You need to pay suppliers and staff who want bank money. See how to move USDT or USDC to a bank account.
Clean records. Statements that show each on-chain transfer next to bank transfers save your accountant hours.
Who offers what
| Holds USDC/USDT | Fiat account details | Monthly | |
|---|---|---|---|
| Wise Business | No | 22 currencies | £0 |
| Airwallex | No | 20+ currencies | £0 to £49 |
| WorldFirst | No | 20+ currencies | £0 |
| Payset | Via group company, not UK | 35 currencies | €100+ |
| Crypto exchange business account | Yes | Usually limited | Varies |
| Rivet | Yes, six networks | USD; EUR, GBP on Growth | $0 to $500 |
How Rivet handles it
Rivet puts USDC and USDT next to USD, EUR and GBP in one company account. Every plan includes stablecoin deposits and withdrawals, including the free Starter plan with USD details in your company's name and unlimited virtual cards. Convert at a rate shown before you confirm, then pay out to bank accounts in 120+ countries. See the on-ramp and off-ramp pages.
A note on local rules
Stablecoin rules differ by country. The GENIUS Act governs US payment stablecoins and MiCA the EU. In countries with capital controls, local law decides whether a locally registered company may hold value in stablecoins or abroad, so check with your adviser first. Rivet is not a bank; regulated partner institutions hold client funds.
Questions people ask
Can a business hold USDC in a business account?
Yes, with a provider that supports it. Most mainstream multi-currency accounts do not. Rivet lets a registered company hold, receive and send USDC and USDT next to USD, EUR and GBP balances.
What should I check in a stablecoin business account?
That it supports both USDC and USDT, the networks your clients and suppliers use, conversion to bank money at a rate you see before confirming, payouts to bank accounts, and statements that show every on-chain transfer for your accountant.
Are stablecoins regulated?
Increasingly. The US GENIUS Act sets rules for payment stablecoin issuers, and the EU's MiCA regulation covers issuers and service providers in the EU. Our guides to both explain what changes for companies.
Sources
Rashidatou writes Rivet's guides to how money moves between countries: the payment rails, what each one costs, and the account details a company needs to get paid in another currency. Every figure in Rashidatou's articles is traced to the scheme rulebook, the regulator or the provider's published price list, and those sources are listed at the end.
More from Rashidatou K. →This article is general information, not legal, tax or financial advice. Rules and fees change; check the sources above and the provider’s current terms before you act on them.
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