Circle Internet Group launched the Circle Payments Network in 2026 using the USDC stablecoin to compete with Ripple's cross-border payments business

Tokens pegged to stable value, usually the US dollar, spanning issuers and reserves, depegs, and adoption by banks and payment networks.

Using crypto and stablecoins to pay for things, from payment cards and merchant checkout to payroll, remittances and cross-border settlement.