Retail Payments
Consumer-to-merchant and person-to-person stablecoin payments.
Where stablecoins meet everyday commerce. From wallet-to-wallet transfers to card-present merchant payments, these paths map the compliance surface between a consumer's intent to pay and a merchant's receipt of funds.
6 PATHS
Circle · Wallet Providers · CCTP · Visa · Coinbase Card · Card Issuers · Self-Custodial Wallets · Stellar · MoneyGram · Coinbase Commerce · BitPay · Flexa
None — single-regime rail
6 Paths
The simplest stablecoin payment — USDC from one wallet to another on a single chain.
USDC transfer across chains via Circle's Cross-Chain Transfer Protocol — burn on source, mint on destination.
Consumer pays with a stablecoin-funded card at a traditional merchant POS terminal.
Self-custodial wallet-to-wallet transfer. Travel Rule compliance is thin — honesty marker territory.
Stablecoin-settled remittance corridor — fiat on-ramp in origin country, stablecoin transport, fiat off-ramp in destination.
Merchant accepts stablecoin directly at point of sale via payment processor integration.
Want to resolve a specific path with chain and jurisdiction parameters?
Resolve Your Own Path →