Companies operating across different countries need to send and receive money quickly and predictably. In the traditional financial system, however, an international transfer can involve multiple institutions, depend on banking hours, and require currency conversions.
Stablecoins offer an alternative that can simplify part of this process. They are digital assets designed to track the value of a currency or another reference asset, such as the U.S. dollar, euro, or Brazilian real. Because they operate on blockchain networks, they can be transferred digitally between different participants.
The use of these assets has already reached significant scale. According to data from Artemis Analytics, global stablecoin transaction volume reached US$33 trillion in 2025, a 72% increase from the previous year. Of this total, USDC accounted for US$18.3 trillion, while USDT recorded US$13.3 trillion.
It is important to understand what these figures represent: they correspond to the volume of transactions carried out with stablecoins on blockchain networks, rather than only payments made by businesses or consumers. Even so, they demonstrate the scale this market has reached.
In Brazil, stablecoins have also gained ground. According to data from the Brazilian Federal Revenue Service, they accounted for approximately 80% of the monthly reported volume of crypto assets in 2025. Between August 2019 and December 2025, R$1.13 trillion in transactions involving these assets were reported.
Among the stablecoins reported during this period, USDT accounted for 88.7% of the volume, followed by USDC at 7.1% and BRZ at 3.4%. In November 2025, reported volume reached R$39.7 billion, the highest monthly figure in the analyzed series.
These figures help show that stablecoins are already being used at significant scale. Their use goes beyond crypto asset trading: they can also be part of payments, international transfers, and financial settlement processes.
Why Can International Payments Be Complicated?
Sending money to another country usually requires more steps than making a domestic transfer.
Depending on the transaction, a company may need to deal with:
different banks and intermediaries;
currency conversion;
foreign exchange fees and costs;
financial system operating hours;
the time required for funds to reach their destination;
difficulty tracking the progress of the transfer.
Imagine a Brazilian company that needs to pay a supplier in another country. In addition to sending the money, it needs to consider converting Brazilian reais into another currency, the institutions involved, and the time required for the funds to reach the supplier.
The more steps involved, the greater the challenge of managing costs, timelines, and cash flow. This is where stablecoins can be used as part of a solution for international money movement.
How Do Stablecoins Work?
A stablecoin is a digital asset designed to track the value of another reference asset. In most cases, that reference is a currency, such as the U.S. dollar.
A stablecoin therefore represents that value on a blockchain network, allowing it to be sent digitally from one wallet to another according to the rules of that network.
This does not mean that blockchain replaces banks or other participants in the financial system. In a business transaction, services such as foreign exchange, liquidity, custody, payments, and compliance may still be required.
The difference lies in one part of the process: the digital asset itself can be transferred directly on the blockchain. Because these networks operate continuously, the transfer does not necessarily depend on a bank's business hours.
What Are the Benefits of Stablecoins?
When incorporated into an appropriate infrastructure, stablecoins can offer several benefits to companies that move funds internationally.
Faster Settlement
A traditional international transfer can take hours or business days, depending on the countries and institutions involved.
A stablecoin transfer on a blockchain, however, can be completed within a few minutes or even less, depending on the network used. This can reduce the time between sending and receiving funds.
24/7 Operations
Blockchain networks operate continuously. As a result, stablecoin transfers can be made outside business hours, including weekends and holidays. This can be useful for companies operating across different countries and time zones.
Greater Transaction Visibility
Transactions carried out on blockchain networks are recorded on the network itself and can be tracked using the appropriate tools. This makes it easier to review movements and can support reconciliation and audit processes.
Fewer Steps in Some Flows
Depending on the transaction, using stablecoins can reduce the number of intermediaries involved in transferring value. This does not mean that every transaction will automatically be cheaper. Costs also depend on the network used, liquidity, foreign exchange, and the services required to complete the transaction.
Integration With Other Financial Services
Stablecoins can be connected to payment platforms, digital accounts, treasury systems, liquidity providers, and foreign exchange services. With the right infrastructure, these components can work together as part of a company's financial operation.
How Can Companies Use Stablecoins?
Stablecoins can be used in different financial activities. Some of the main examples include:
Paying International Suppliers
A company can use stablecoins to pay suppliers in other countries, provided that the transaction is structured according to applicable regulations.
Because the transfer can take place continuously on the blockchain, the process can be faster in certain flows.
Transfers Between Subsidiaries
A company with operations in different countries can use stablecoins to move funds between its own entities. In this case, the blockchain transfer can be connected to foreign exchange services and the accounts used by the company.
Receiving Payments From International Customers
Stablecoins can also be used to receive funds from customers or partners abroad. Depending on the structure, the funds received can later be converted into the currency used by the company.
Financial Settlement
Fintechs and companies operating in the financial market can use stablecoins to facilitate the settlement of transactions between different systems and markets. In this case, the asset serves as a way to move value within a broader financial infrastructure.
International Trade
Companies that import or export goods can also use stablecoins for certain payments and settlement processes. This model can be useful for businesses that frequently move money between different currencies and countries.
How Do You Choose a Stablecoin?
There is no single stablecoin that is best for every situation. The choice mainly depends on the currency used, the countries involved, and the infrastructure available to carry out the transaction.
Some of the best-known options include:
USDT: tracks the value of the U.S. dollar and is widely used in the digital asset market;
USDC: also tracks the dollar and has a strong presence in payments and blockchain-based applications;
EURC: tracks the euro and can be used for transactions denominated in that currency;
BRZ: a stablecoin linked to the Brazilian real, designed for transactions involving BRL.
In addition to the reference currency, it is important to consider factors such as liquidity, available networks, costs, infrastructure, and regulatory requirements. The choice should therefore be based on the needs of the transaction, rather than simply on the popularity of each asset.
What Is Needed to Use Stablecoins in a Business?
Choosing the asset is only the beginning. To use stablecoins in a business operation, different parts of the financial infrastructure need to work together.
In simple terms, we can think of the flow as:
Blockchain → liquidity → foreign exchange → accounts → payments → compliance
Each stage has a specific role:
Blockchain: enables the transfer of the digital asset;
Liquidity: facilitates the purchase and sale of the stablecoin;
Foreign exchange: enables conversion between different currencies;
Accounts: connect funds to the company's financial operations;
Payments: enable the sending or receiving of funds;
Compliance: helps the company follow applicable rules and manage operational risks.
Depending on the business model and applicable regulations, processes such as KYC, anti-money laundering, risk management, and transaction monitoring may also be required.
Therefore, using stablecoins in a business does not simply mean choosing a token and starting to transfer it. It requires an infrastructure that connects the digital asset to the other financial processes within the business.
Stablecoins and the Future of International Payments
The growth of stablecoins shows that blockchain technology is being used for activities that go beyond crypto asset trading.
For companies, their main potential lies in the ability to create faster, more connected, and more flexible operations, particularly when funds need to move frequently between different countries.
However, a stablecoin alone does not solve every challenge involved in an international operation. To turn a digital asset into a financial solution, it is necessary to connect blockchain, liquidity, foreign exchange, accounts, payments, and compliance. This combination makes it possible to use stablecoins in a structured way that meets the specific needs of each business.
Does your company need to connect stablecoins, payments, foreign exchange, and liquidity for international operations? Talk to our sales team and discover how Transfero's financial infrastructure can support your global operation.
