#StablecoinPayments Fiat-collateralized**: Backed 1:1 by currency reserves like USD (e.g., USDT, USDC)

2. **Commodity-backed**: Pegged to assets like gold

3. **Crypto-collateralized**: Overcollateralized with other cryptocurrencies

4. **Algorithmic**: Using smart contracts to control supply

For accounts payable, fiat-collateralized stablecoins are most common because they combine price stability with the efficiency of blockchain transactions