Put your payments on internet rails
Accelerate your growth with near-instant, low-cost, global transactions made possible by stablecoins.
Borderless3 by design. Near-instant by default.
B2B payments
Facilitate business transactions locally and globally with near-instant, low-cost USDC settlement.
Remittances
Enable secure, near-instant, and affordable consumer remittances worldwide, even in underbanked regions.
Payroll
Streamline payroll and give your distributed workforce access to digital dollars that easily convert to local currency.
Merchant payments
Significantly reduce transaction costs and improve cash flow with near-instant USDC settlement.
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.”
Neobanks
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.
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.
Make payments with Circle
Partner with Circle
Build with Circle
FAQs
Cross border payments with Circle and USDC are completed in three easy steps:
- Access USDC: Access USDC using either Circle Mint, an exchange, or another liquidity provider.
- Send USDC to recipient: Initiate a blockchain transaction to the wallet of the recipient over blockchain.
- 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.
Circle’s cross-border payment solution is secure because it is built on USDC and leverages blockchain technology to complete transactions. Circle’s USDC reserves are transparent, audited monthly, and backed by cash and cash-equivalent assets.
Traditional cross-border payments may be processed by correspondent banking networks, which can involve funds moving through multiple intermediary institutions that may each charge a fee and take a day or more to process each leg of the transaction.
Some regions lack adequate banking infrastructure, leading to unbanked or underbanked populations. In these cases, traditional payments may be difficult or impossible, while USDC cross-border payments can be completed with just an internet-connected device and a digital wallet, no bank account is required.
Circle’s cross-border payments solution differs from SWIFT wires powered by correspondent banking in the following ways:
- 24/7 settlement: USDC’s instant settlement vs. SWIFT’s end-of-business-day bulk settlement means that you lower your cost of capital and global liquidity needs.
- Fewer intermediaries: Circle’s cross-border payment solution does not require the involvement of correspondent banks. Payments go directly from sender to receiver regardless of which countries they’re in. As a result, correspondent banking fees and settlement delays and risks are minimized. Additionally, Circle’s solution makes it easier and cheaper to reach less-developed countries with suboptimal financial infrastructure.
- Receiver choice: Your recipient can receive either USDC or local currency depending on their personal preference.
- Real-time visibility: You know where your funds are at all times. There is no guessing as to where they may be stuck in transit.
See how Felix uses USDC as a SWIFT alternative.
While other blockchain cross-border payments solutions are available, Circle’s solution sets itself apart from the rest because it is:
- Public: USDC is an open protocol that lives on public blockchains. This makes USDC more useful to recipients because they can off-ramp it or send it to others.
- Open and interoperable: USDC works across multiple blockchains and has deep liquidity in decentralized finance applications, meaning your holdings aren’t reliant on a single company for utility.
- Stable: USDC is redeemable 1:1 for US dollars for Circle Mint customers, making it a stable store of value as well as a payment mechanism.
- One-stop shop: Circle offers stablecoins, wallets, smart contracts and other blockchain development tools all under one roof.
- USDC is issued by regulated entities of Circle. A list of Circle’s regulatory authorizations can be found here.
- On blockchains such as Arbitrum, Base, and Solana
- 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.
- 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.
- 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.
- 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")
- 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.
- 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.
- Circulation last updated as of Apr 15, 2025 9:11 AM