$482 billion
Stablecoin payments from January to September 2026, up 45% on the same months a year earlier, while the supply of stablecoins grew 0.4%. The same dollars are moving more often.
Allium, State of Stablecoins and Payments, Q3 2026
Fiat in. USDC out.
Fund from the account details your clients already pay into. Convert when you choose, with the rate and fee on screen before you confirm.
USDACH and wire
EURSEPA Instant
GBPFaster Payments
AEDLocal transfer
Hold USDC and USDT beside your fiat, on six networks.
What is a stablecoin on-ramp for a business?
A stablecoin on-ramp turns a company’s fiat into USDC or USDT. With Rivet, clients or your own bank pay into your USD, EUR or GBP account details, you accept a quote showing the rate and the fee, and the coins land beside your fiat. Margins run from 0.80% on Starter to 0.15% on Enterprise.
From fiat to USDC
The money lands
Any bank account in your company name pays into your USD, EUR, GBP or AED details on the local rail. That balance is what you convert from.
You get a quote
The quote shows the rate, the fee and the exact amount you will receive. Nothing converts until you accept it.
A person approves it
Someone with the right role accepts it, inside your approval thresholds. The conversion carries a reference for your ledger.
It sits beside your fiat
USDC and USDT sit next to your USD, EUR and GBP. Hold the same coin on more than one network and move between them from inside the account.
Work out a conversion
Type an amount and pick a plan. The margin falls as the plan rises, from 0.80% on Starter to 0.15% on Enterprise.
- Example rate
- 1 USD = 1.0000 USDC
- Conversion margin, 0.80%
- −$200.00
- Network fee
- At cost, on your quote
- Money reaches your balance
- One to three banking days by ACH, the same day by wire
- You receive
- 24,800.00 USDC
Example rates, not live ones. The margin shown is the lowest on each plan and depends on the pair and the amount. USDT works the same way.
When each rail runs
The on-ramp starts when the money lands, so the rail sets the pace. Once it is in your balance you can convert at any hour.
Friday 06:00 PM
2 of 7 rails running
- ACHUSD, from Starter
One to three banking days
- Same-day ACHUSD, from Starter
The same banking day, before the cut-off
- US wireUSD, from Starter
The same day on business days
- SEPAEUR, from Growth
One to two banking days
- SEPA InstantEUR, from Growth
Seconds
- Faster PaymentsGBP, from Growth
Near-instant
- Local transferAED, from Scale
The same day on most local transfers
Shown in usual banking hours. Each bank sets its own cut-offs.
Stablecoin payments in 2026, in figures
Public reports, read in November 2026. Each row says where it comes from, so you can check it. Methods differ between reports, so the rows do not add up to one total.
$226 billion
Business-to-business stablecoin payments at an annual rate, measured in December 2025, up 733% in a year. That is still about 0.01% of what businesses pay each other worldwide.
McKinsey, with Artemis data, February 2026
7 times faster
How much faster cross-border stablecoin payments grew than cross-border payments on bank rails in 2025: 64% against 9%.
Allium with FXC Intelligence, September 2026
3% to 5.5%
Card3% to 5.5%
Bank transfer0% to 2%
Rivet margin, by plan0.15% to 0.8%
The typical fee to buy a stablecoin with a card. By bank transfer the range is 0% to 2%, and a wire is more often a flat $15 to $50.
Spark, on-ramp comparison of published prices, mid-2026
Who uses an on-ramp
Local rails close overnight, at weekends and on public holidays. A stablecoin balance does not, so the payout that needs to go out on Friday evening goes out on Friday evening.
Convert a working balance into USDC to keep it in dollars without opening an offshore account, then convert back when you need to pay locally.
Collect in USD, EUR and GBP, hold a dollar float in USDC, and pay sellers out on whichever rail reaches them.
The rules, with their dates
Holding or paying in a stablecoin does not make a company an issuer. The rules below bind the issuers of USDC and USDT. Rules on using them still differ by country, so check the ones where your company and your counterparties are.
The stablecoin chapters of the EU’s MiCA regulation apply. A dollar stablecoin offered to the public in the EU is an e-money token, and its issuer needs authorisation there.
MiCA and stablecoinsThe GENIUS Act becomes US federal law. A permitted issuer must hold one-to-one reserves in cash and short-dated Treasuries, publish them monthly, and may not pay holders interest.
Stablecoin payments after the GENIUS ActFinCEN and OFAC propose the anti-money-laundering and sanctions programmes a permitted issuer must run.
The US Treasury proposes the rules on who may issue, offer and sell a payment stablecoin to people in the US. Comments closed in October. Final rules were still pending in November 2026.
USDC or USDT for a business
FAQ
Any bank account in your company name. You transfer into the account details you already hold in USD, EUR, GBP and more, using the local rail for that currency.
Yes. The quote shows the rate, the fee and the exact amount you will receive before you confirm. Nothing converts until you accept it.
Two parts: the conversion margin, from 0.80% on Starter, 0.50% on Growth, 0.30% on Scale and 0.15% on Enterprise, and the network fee the blockchain charges, usually cents, passed through at cost. Both are on the quote before you confirm.
The wait is the bank leg: seconds on SEPA Instant and Faster Payments, the same day by wire, one to three banking days by ACH. Once the money is in your balance you can convert at any hour.
An account where a company holds stablecoins such as USDC and USDT alongside ordinary bank balances. Here both sit in one workspace: clients pay into your USD or EUR details, you convert when you choose, and you pay out in either form under the same roles and approvals.
USDC and USDT, on Ethereum, Base, Solana, Polygon, Optimism and Avalanche. You can hold the same stablecoin on more than one network and move between them from inside the account.
Whichever your counterparties accept and can convert where they are. USDT is the larger by supply and the more common in many emerging markets. USDC is issued under an EU e-money licence and is the usual choice where a company wants US-regulated reserves. You can hold both here, on more than one network, and move between them.
Each conversion carries a reference and shows the rate used, so it lands on your statement beside the bank movements it belongs to. Most finance teams record the date, the amount, the counterparty, the network and the transaction reference for each one. How you book them depends on your accounting framework, so ask your accountant before holding a material balance.
Yes. Roles, approval thresholds and the audit trail cover treasury and ramp actions the same way they cover payouts and cards.
In many countries, yes, under rules that differ by place. The US has had a federal framework for issuers since the GENIUS Act of July 2025, and the EU regulates stablecoins under MiCA. Some countries restrict or ban their use. Check the rules where your company and your counterparties are before you rely on them.
