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Focus on building breakthrough products and services for your customers that support digital dollars while we take care of operating and securing complex wallet and blockchain infrastructure.

Global businesses integrating digital dollars


P2P payments platforms


Banks & Fintechs


Enterprises & marketplaces offering stored value

The Problem

Massive changes and increased risks in the global financial system is causing businesses everywhere to seek safety in the US Dollar, and for payment systems that are fast, secure, cheap and eliminate counterparty settlement risk.

Building out accounts, storage and funds routing infrastructure for digital dollars is costly and time consuming.

Maintaining stablecoin wallet infrastructure is expensive and complicated, needing to account for running blockchain nodes, paying gas fees, private key security, hot/cold liquidity management, while complex global compliance rules are impediments to the average internet business jumping into digital dollars and stablecoins.

The Solution

Provide your customers with the benefits of US dollar denominated accounts in 150+ countries. We abstract away the complexities and costs of maintaining digital dollar wallet infrastructure allowing you to focus on building killer products and services for your customers without worrying about scaling, digital asset custody and security.

Circle Account

  • Open a new digital dollar version of an FBO account to convert your users funds into digital dollars, securely custody and transfer on chain all via a no code web interface.
  • Access innovations in decentralized finance such as yield protocols and lending markets; borrowing and lending without middlemen and high bank fees.
  • Soon, allocate funds into yield products natively within your Circle account, starting at 4% for open term, and higher for fixed term maturities.
Ideal for

Businesses that will have one main account for their customer assets and need a lightweight financial account to manage, custody* and transfer their own or customer assets in digital dollars.

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  • Create and manage a digital wallet infrastructure for your customers including seamless transfer of funds across hosted wallets or via on-chain USDC connectivity.
  • Stay on top of each wallet’s activity with real time notifications, reporting and transaction history.
Ideal for

Businesses that need scalable digital dollar accounts and want to automate accepting and making payments in USDC with a custom user experience.

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Have questions about how Circle can fit into your business?

Let us help you get started with Circle business products and harness the power of global stablecoins.

Other powerful use cases


Accept & make payments globally

Global payments without the global effort. We combine the benefits of stablecoins and blockchain with traditional forms of payments like cards and banks.


On- and off-ramps in your crypto product

Get to market faster—and up to 80x farther. You’re in control of your UX while we handle processing, storing, and USD Coin (USDC) conversion.


Send mass payouts globally

Automate your payouts in global markets and geos with digital dollars and USD Coin (USDC)—while fully owning the user experience.

*We maintain a money transmission license (or the statutory equivalent) in various U.S. states and territories, as well as a virtual currency license in the State of New York, and are therefore subject to the requirements of such statutes. We are not a trust company nor do we maintain a trust company charter in any U.S. state or territory. Accordingly, any regulated services we provide to users located in the United States are characterized as money transmission and/or virtual currency business activity, and not as trust services. Additionally, for the avoidance of doubt, Circle is not a fiduciary, and Circle does not provide any trust or fiduciary services to any user in the course of such user visiting, accessing, or using the Circle website or services. Any reference to custody services in any User Agreement refers only to our custody of digital assets on a user’s behalf pursuant to the authority granted under our money transmission and/or virtual currency licenses. Circle is not (i) a Qualified Custodian pursuant to 17 C.F.R. § 275.206(4)-2 or (ii) a “digital custodian” as such term is defined by the Nevada Financial Institutions Division.