Should a small business hold stablecoins or convert them straight away?
The wider picture
The key points from the guide this answer comes from:
- A small business can get paid in stablecoins at checkout through a processor, into a business account that receives them, or into its own wallet.
- Stripe's stablecoin payments cost 1.5%, settle in local currency and are capped at 10,000 USD per payment. US businesses can accept them as of October 2026.
- A business account built on stablecoins, such as Align, receives USDC or USDT and pays suppliers in fiat from the same balance.
- Infrastructure such as BVNK's, with a 500,000 USD monthly minimum, is built for payment companies and platforms, not for a small business's own money.
More questions on this
- Can a small business accept stablecoin payments without a minimum volume?
- How much does it cost to accept USDC with Stripe?
- Can a customer charge back a stablecoin payment?
The full guide
A small business can take stablecoins at checkout through a processor such as Stripe (1.5%, settled in local currency), receive them into a business account such as Align, or hold them in its own wallet. Infrastructure like BVNK, with a 500,000 USD monthly minimum, is built for payment companies and platforms.
Read Stablecoin payments for small businesses: three ways to get paid in USDT and USDC, with its sources.
General information, not legal, tax or financial advice. Rules and providers' terms change; check the sources in the guide and take advice on your own situation.
Get started
Open a business account built on stablecoins.
Named USD, EUR, GBP and AED accounts in your company's name, with USDC and USDT in and out. Apply online; our compliance team reviews applications in 1 to 5 business days.