Walmart and Amazon Test Proprietary Stablecoins—Retail Crypto Goes Live
🛍️ Retail giants Walmart and Amazon are actively exploring the launch of their own USD-pegged stablecoins, aiming to reduce billions in credit card fees and accelerate global e-commerce payments. The move follows the passage of the GENIUS Act, which provides a legal framework for corporate-issued stablecoins.
📈 According to reports, both companies are evaluating two models:
- Accepting existing stablecoins like USDC and PYUSD
- Issuing their own branded tokens for use across online and in-store purchases
💬 “Stablecoins settle faster and cost less than traditional card payments,” said Axios analysts.
Retailers could earn interest on reserves backing their stablecoins, turning payment infrastructure into a profit center.
📊 Key metrics:
- Interchange fees paid by retailers: $32B+ annually
- Walmart e-commerce revenue (2024): $100B+
- Amazon global sales (2024): $447B
- GENIUS Act mandates: 1:1 reserve backing, monthly audits, AML compliance
Why it matters:
✅ Stablecoins offer instant settlement and eliminate FX fees
✅ Retailers gain control over payment rails and customer incentives
✅ Could reshape how consumers pay—and how merchants profit
🧠 Will branded stablecoins become the new gift cards—or the future of retail finance?
👇 Are you building retail payment flows or watching for the next stablecoin launch?
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