Ramp launches stablecoin accounts for businesses to hold USDC/USDT, enable cross-border payments, and earn up to 3.25% rewards.
DeFi & Yields ·
Ramp has launched stablecoin-denominated bill payments and savings accounts in partnership with Stripe, enabling 24/7 transaction settlement. The offering allows businesses to hold and transact in USDC and USDT while earning up to 3.25% rewards on balances.
The integration layers stablecoin rails into Stripe's existing payments infrastructure, abstracting blockchain complexity behind APIs familiar to merchants already using Stripe's platform. This positions stablecoins as a settlement layer for cross-border payments rather than as a speculative asset, aligning with broader fintech moves toward onchain settlement as core infrastructure.
The specific mechanics of how bill payments are routed, whether settlement occurs directly onchain, and the custody arrangement for customer funds remain unclear from available disclosures. Ramp's technical integration scope—whether limited to USD Coin and Tether or extensible to other stablecoins—has not been detailed.