Put your payments on internet rails

Accelerate your growth with near-instant, low-cost, global transactions made possible by stablecoins.

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24/7

availability

185+

countries

#1

largest regulated1 stablecoin

<1s

settlement on major blockchains2

Borderless3 by design. Near-instant by default.

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B2B payments

Facilitate business transactions locally and globally with near-instant, low-cost USDC settlement.

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Transferts de fonds

Enable secure, near-instant, and affordable consumer remittances worldwide, even in underbanked regions.

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Paie

Streamline payroll and give your distributed workforce access to digital dollars that easily convert to local currency.

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Merchant payments

Significantly reduce transaction costs and improve cash flow with near-instant USDC settlement.

erhat nalbant arf

The visibility of USDC at any stage in the payment process combined with the 1:1 redeemability with US dollars strengthens trust in our services and unlocks exponential growth on both the demand and supply side.”

“
Ali Erhat Nalbant
Co-founder & CEO

The new precedent for money movement

An untapped global audience

Use stablecoin payments to access new global markets and connect with prospective partners and customers worldwide.

Near-zero transaction costs

Circle’s platform eliminates costly intermediaries and reduces prefunding needs, so more value reaches your bottom line and your customers.

Settlements in seconds

Build efficiency with payments that clear near-instantly, globally — making even ‘T+1’ a phrase of the past.

Real-time transparency

Know where your money is at every moment with blockchain-based payments stored on secure, transparent, always-available ledgers.

Néo-banques

Simplify your global payments infrastructure, minimize reliance on expensive correspondent banking, and expand your reach to emerging markets.

Payment service providers

Enhance payment capabilities with 24/7 near-instant settlements, reduced costs, and improved fund flow transparency.

Fintechs

Deliver innovative, cost-effective global payments that accelerate your market entry and set you apart in competitive landscapes.

Enterprise

Make your payments more efficient by reducing transaction costs and settlement delays, even when moving money at scale.

Time is money. With Circle, companies are saving both.

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Acctual uses USDC to help businesses streamline global payments and accounting, powering over $25M in fast, low-cost USDC invoices across 100+ countries.

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Arf uses USDC to provide real-time liquidity for cross-border payments, eliminating prefunding and freeing payment companies to unlock growth.

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Immersve partnered with Circle to enable everyday spending with USDC with Mastercard — allowing users to pay in USDC at over 90 million merchants worldwide.

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The building blocks
of better payments

Circle Payments Network⁴

Connect to a global network of financial institutions that move money in real-time, 24/7, powered by stablecoins.

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USDC

Use the world’s largest regulated¹ digital dollar to deliver secure, low-cost payments globally in seconds — all with unparalleled transparency and complete control over your transactions.

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Mint⁵

Quickly convert fiat to USDC at scale with no fees. Manage funds and integrate USDC payments into your systems for fast, global transactions and simplified reconciliation.

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Wallets⁶

Embed secure, user-friendly wallets into your app so customers can easily store, send, and use digital assets — unlocking fast, global transactions with built-in compliance and security.

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Icône USDC

Powered by the world’s largest regulated1 digital dollar

USDC is the digital dollar that makes sending money across the globe as fast and seamless as sending an email, often for fractions of a penny. Fully redeemable 1:1 for US dollars7, USDC connects you to a world of opportunity.

Explore USDC

$26T

Volume historique2

$60B

USDC in circulation9

2018

minting since

Make payments with Circle

Partner with Circle

Join the Circle network to unlock access to our global ecosystem of partners and products.
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Build with Circle

Explore our Developer Console to see how you can integrate Circle solutions for your use case.
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FAQ

La procédure suit trois étapes :

  1. Accéder à l'USDC : accédez à l'USDC à l'aide de Circle Mint, d'une plateforme d'échange ou d'un autre fournisseur de liquidités.
  2. Envoyer de l'USDC : envoyez des fonds au portefeuille du destinataire via la blockchain.
  3. Distribute to beneficiaries: Beneficiaries can receive USDC in their wallets (see how you can create in-app wallets using Wallets) or they can receive local currency in their bank accounts.

La solution de Circle est sécurisée car elle repose sur l'USDC et la blockchain pour effectuer les transactions. Ses réserves sont transparentes, auditées mensuellement et soutenues par des liquidités et des actifs équivalents.

Les paiements cross-border traditionnels peuvent être traités par des réseaux de banques correspondantes. Les fonds peuvent donc transiter via plusieurs institutions intermédiaires qui peuvent chacune facturer des frais et prendre un jour ou plus pour traiter chaque étape de la transaction.

Certaines régions ne disposent pas des infrastructures bancaires adéquates, ce qui se traduit par des populations non bancarisées ou sous-bancarisées. Pour ces personnes, les paiements traditionnels peuvent être difficiles, voire impossibles. A contrario, les paiements cross-border en USDC peuvent être effectués à l'aide d'un appareil connecté à Internet et un portefeuille numérique, sans compte bancaire.

La solution de paiements cross-border de Circle diffère des virements SWIFT alimentés par les banques correspondantes pour ces raisons :

  • Règlement 24 h/24 et 7 j/7 : le règlement instantané de l'USDC par rapport au règlement en bloc de SWIFT en fin de journée vous permet de réduire le coût de votre capital et vos besoins en liquidités à l'échelle mondiale.
  • Moins d'intermédiaires : la solution de Circle ne nécessite pas l'intervention de banques correspondantes. Les paiements sont effectués directement de l'expéditeur au destinataire, où qu'ils se trouvent. Par conséquent, les frais de correspondance bancaire, les retards et les risques de règlement sont minimisés. En outre, la solution de Circle permet d'atteindre plus facilement et à moindres frais les pays moins développés dont l'infrastructure financière n'est pas optimale.
  • Choix : votre destinataire peut choisir de recevoir des USDC ou sa devise locale.
  • Visibilité en temps réel : vous savez à tout moment où se trouvent vos fonds.

Découvrez comment Félix utilise l'USDC comme alternative à SWIFT.

Bien que d'autres solutions similaires soient disponibles, celle de Circle se distingue pour les raisons suivantes :

  • Public : l'USDC est un protocole ouvert qui repose sur des blockchains publiques. Il est donc particulièrement adapté aux destinataires, car ils peuvent le retirer ou l'envoyer à d'autres personnes.
  • Ouvert et interopérable : L'USDC fonctionne sur plusieurs blockchains et dispose d'une grande liquidité dans les applications de decentralized finance. Ainsi, vos actifs ne dépendent pas d'une seule entreprise.
  • Stabilité : l'USDC est échangeable à valeur égale contre des dollars américains pour les clients de Circle Mint. C'est donc une réserve de valeur et un moyen paiement stable.
  • Guichet unique : Circle propose des stablecoins, des portefeuilles, des smart contracts et d'autres outils de développement de la blockchain au sein d'une même plateforme.
  1. USDC is issued by regulated entities of Circle. A list of Circle’s regulatory authorizations can be found here.
  2. On blockchains such as Arbitrum, Base, and Solana
  3. Circle Mint supports international wires and domestic bank transfers in 185+ countries. Circle Mint is currently available only to institutions and is not available to individuals.
  4. Circle Technology Services, LLC (CTS) is the operator of Circle Payments Network (CPN) and offers products and services to financial institutions that participate in CPN to facilitate their CPN access and integration. CPN connects participating financial institutions around the world, with CTS serving as the technology service provider to participating financial institutions. While CTS does not hold funds or manage accounts on behalf of customers, we enable the global ecosystem of participating financial institutions to connect directly with each other, communicate securely, and settle directly with each other. CTS is not a party to transactions between participating financial institutions facilitated by CPN who use CPN to execute transactions at their own risk. Use of CPN is subject to the CPN Rules and the CPN Participation Agreement between CTS and a participating financial institution.
  5. Circle Mint and money transmission services are provided by Circle Internet Financial, LLC. Circle Internet Financial, LLC, NMLS # 1201441, is a licensed provider of money transmission services. A full list of Circle’s licenses can be found here.
  6. Circle Technology Services, LLC (“CTS”) is a software provider and does not provide regulated financial or advisory services. You are solely responsible for services you provide to users, including obtaining any necessary licenses or approvals and otherwise complying with applicable laws. For additional details, please click here to see the Circle Developer terms of service. (there's a link at "click here")
  7. Circle Mint customers are able to redeem USDC directly from Circle. In addition, Circle will redeem all USDC presented to it for redemption in compliance with MiCAR, regardless of whether the holder is a Circle Mint customer. Circle Mint is currently available only to institutions and is not available to individuals.
  8. All-time volume represents the total amount of USDC onchain activity that took place between September 2018 and Apr 14, 2025 8:00 PM. This represents EVM token transfer volume on native and canonically bridged USDC on the following chains: Arbitrum, Avalanche, Base, Binance, Ethereum, Fantom, Linea, Mantle, OP Mainnet, Polygon PoS, ZKSync.
  9. Circulation last updated as of Apr 15, 2025 9:11 AM