Starting October 7, 2026, 99 of the world’s 100 largest companies can settle daily invoices using stablecoins directly from their existing dashboards. Circle officially announced a partnership with Tereina - a business entity backed by German software powerhouse SAP - to integrate USDC and EURC payment rails directly into the SAP Pay and SAP Cloud ERP ecosystems.
SAP notes that its active customer base accounts for 84% of total global commerce. Through this native feature, eligible corporations can send and receive stablecoin transfers directly from daily accounting applications, eliminating the need to run third-party platforms outside enterprise systems.
Currency Segmentation and the Arc Network
For operational settlement, the system leverages USDC as the primary engine for US dollar-denominated transactions, while EURC processes euro-based invoices. Circle designated Arc - its proprietary Layer-1 blockchain network - as the underlying backbone handling all initial settlement workflows.
Both crypto tokens integrate into a platform that already handles massive corporate foreign exchange volume. The SAP Pay service reportedly processes over 40 fiat currencies across 89 global payment corridors. Its network accommodates wire transfers, Automated Clearing House (ACH), physical checks, and electronic funds transfers, with all transaction data flowing continuously alongside automated invoice reconciliation features.
Surging Second-Quarter On-chain Volume
The integration into corporate treasurers’ workflows coincides with accelerating capital turnover for Circle. Throughout the second quarter of 2026, USDC on-chain transaction volume reached $14.8 trillion. Transaction traffic surged 151% year-over-year, tracking total circulating supply that surpassed $73.3 billion.
Embedding crypto infrastructure directly into enterprise management software shifts the hierarchy of institutional settlement tools. Traditional banking rails that typically take days to clear now operate alongside cross-border options that settle in seconds on the very same screen.
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Disclaimer: This article is for informational and educational purposes only, not financial advice. Cryptocurrency assets are highly volatile and carry significant risk. Always do your own research (DYOR) and never invest more than you can afford to lose.
