When merchants first look at crypto, the biggest worry is volatility: "What if Bitcoin drops 10% after I ship the order?" Stablecoins solve that. USDT (Tether) and USDC (USD Coin) are tokens designed to stay worth one US dollar, and today they account for a large share of crypto payments for goods and services.
What is a stablecoin?
A stablecoin is a cryptocurrency whose value is pegged to a traditional currency, usually the US dollar. The issuer holds reserves (cash and short-term government debt) and lets large holders redeem tokens for dollars. For your business, one USDT or one USDC is simply one dollar that moves on a blockchain.
Why businesses accept stablecoins
- No price risk. A $49 invoice paid in USDC is still worth $49 next week.
- Global customers. Anyone with an exchange account or a mobile wallet can pay, including in countries where international card payments fail.
- Low fees. On networks like Solana, TON, BNB Chain or Polygon, sending costs the customer a cent or less.
- Fast settlement. Payments confirm in seconds to minutes, any day of the week.
- No chargebacks. Like all on-chain payments, stablecoin transfers are final.
- Easy accounting. Your books stay in dollars; there is no need to calculate gains on every sale.
USDT vs USDC
| USDT (Tether) | USDC (USD Coin) | |
|---|---|---|
| Issuer | Tether | Circle |
| Popularity | Largest stablecoin, dominant in Asia, Africa, Latin America | Strong in the US and Europe |
| Networks on Cryptomo | Ethereum, BNB Chain, Polygon, Solana, TON, Arbitrum | Ethereum, BNB Chain, Polygon, Solana, Arbitrum, Base |
| Best for | Maximum customer reach | Customers who prefer a regulated US issuer |
Accepting both covers almost every stablecoin holder. Compare networks in our USDT network guide.
How to accept stablecoins with Cryptomo
- Create a free account and add your store
- In your store settings, tick the coins and networks to accept, for example USDT and USDC on Solana, BNB Chain and Ethereum
- Connect your site with a plugin or the API, or share a payment link
- Price in USD, EUR, INR or another currency; the checkout converts to the exact stablecoin amount
- Withdraw to your wallet or exchange, or on Pro and Business receive payments directly in your own wallets
Risks to understand
Stablecoins are not bank deposits. Their value depends on the issuer's reserves and on regulation, and a stablecoin can briefly trade slightly above or below $1. Most businesses manage this by withdrawing regularly and converting what they do not need. Read our crypto risk disclosure for details. This article is not financial advice.
Bottom line
If you want the benefits of crypto (global reach, low fees, no chargebacks) without the price swings, start with stablecoins. Add Bitcoin and other coins for the customers who ask for them. Start accepting USDT and USDC in minutes.
