Stripe has officially launched direct-to-wallet stablecoin payouts for eligible businesses in the United States. The new service covers more than 160 receiving markets worldwide, allowing cross-border funds to reach recipients almost instantly without lengthy intermediaries.
Stablecoin transaction settlements arrive in destination wallets within minutes. This processing time stands in sharp contrast to conventional bank transfers, which often take days to reach foreign accounts.
However, a cost comparison reveals a clear threshold between stablecoin transfers and legacy wire networks.
Fee Structure Versus SWIFT Rails
Stripe has set its stablecoin payout fee structure at $0.50 per payout plus 0.5% of the total amount sent. In comparison, conventional international wire transfers via SWIFT on Stripe carry a flat $25 fee per transaction.
That percentage-based model makes stablecoin transfers considerably more cost-effective than SWIFT for transactions under $4,900. Conversely, once the transfer volume exceeds $4,900, the 0.5% variable fee tops $25, making conventional banking the cheaper alternative.
Sending companies can fund payout transactions using either US dollar (USD) balances or USD Coin (USDC) held in their Stripe financial accounts. Payout operations can be managed via the Stripe Dashboard or API integrations, designed to cater to loan disbursements, global remittances, investment withdrawals, and neobanking needs.
Two Token Choices Across Nine Blockchains
During this public preview phase, Stripe supports two primary stablecoins: USDC and Open Standard OUSD. Both digital assets operate across different blockchain infrastructures.
USDC payouts are supported across nine blockchain networks: Arbitrum, Avalanche C-Chain, Base, Ethereum, Optimism, Polygon, Solana, Stellar, and Tempo. Meanwhile, the OUSD token is available across four blockchain networks, including Base, Ethereum, Solana, and Tempo.
Exclusion for New York Businesses
The public preview does not yet cover all of the United States. Businesses based in New York State are currently excluded from the stablecoin payout feature due to local regulatory restrictions.
Stripe is directing New York business owners to join a waitlist while compliance licensing is being finalized. For enterprises outside New York that regularly send micro-to-medium payments abroad, the $4,900 mark now serves as the key benchmark for selecting the most cost-effective transfer route.
Reported by crypto.news.
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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.
