#Stripe稳定币账户 I. Core Functions and Features

Account Structure and Coverage

The “Stablecoin Financial Accounts” launched by Stripe supports business users from 101 countries and regions worldwide, allowing merchants to hold balances in two stablecoins, USDC and USDB, and supports bi-directional capital flow between fiat and crypto channels. Funds can be transferred via ACH, wire transfer, or crypto wallets, and can be flexibly settled to bank accounts or on-chain addresses.

Innovative Application of Closed-Loop Stablecoin USDB

USDB is a closed-loop stablecoin issued by Bridge, a Stripe subsidiary, used solely for inter-business settlements, pegged 1:1 to US dollars in cash and short-term money market funds held by BlackRock. Its design aims to reduce volatility risk while enhancing the efficiency of B2B large payments (such as supply chain finance), supporting automatic reconciliation and invoice processing.

Expansion of Payment Scenarios

Visa Card Service: Plans to launch a Visa card priced in USDC, bridging stablecoins with physical consumption scenarios.

B2B Payments: Businesses can create stablecoin payment invoices through Stripe, supporting instant settlement of USDC on mainstream chains like Ethereum and Solana, with a single transaction limit of $10,000 and a fee of 1.5%.

II. Technical Support and Strategic Layout

Technical Integration and Cross-Chain Capabilities

By acquiring Bridge for $1.1 billion in 2024, Stripe gains cross-chain payment technology, supporting networks like Ethereum, Solana, and Polygon, reducing cross-border transaction delays to seconds, with costs only 1/10 of the traditional SWIFT system. The Bridge team has integrated into Stripe's headquarters, enhancing compliance and risk control capabilities.

Compliance and Ecosystem Cooperation

Regulatory Adaptation: Choosing stablecoins strictly pegged to fiat currencies (like USDC) to avoid volatility risks, having passed regulatory approvals in multiple countries.

Open Collaboration: Collaborating with Circle (the issuer of USDC), Coinbase, and others to promote the application of stablecoins; participating in Visa-led pilot projects for “stablecoin cross-border payments,” exploring the integration of credit cards and blockchain.