Stablecoin payments let a client settle an invoice in a token pegged to a fiat currency, most commonly USDC, instead of sending a bank transfer or card payment. In Hanko, stablecoins are one payment option on the same invoice as card, ACH, and wire, not a separate product — the client picks what's convenient for them, and the invoice is marked paid only once the payment is confirmed on-chain.
Why a business would offer stablecoin payments
The clients most likely to want it are international clients avoiding wire fees and delays, and clients or contractors already operating with crypto balances. Offering it as an option, not a requirement, means it adds a payment path without removing the ones clients already expect.
- International clients settling without a wire transfer and its fees
- Web3 companies and DAOs that hold stablecoin balances
- Faster settlement than a multi-day international bank transfer, though timing depends on the network and any off-ramp step
How a stablecoin payment is verified
An invoice is marked paid only when the relevant blockchain confirms the transaction — Hanko checks the chain directly rather than relying on a client's confirmation message. Both sides get a receipt with a block-explorer link they can independently verify.
Getting stablecoin payments into your bank account
Accepting stablecoins doesn't require holding crypto on your books. A received stablecoin payment can be off-ramped to a connected bank account from the same screen where it lands, or held as a balance if that's preferable.
Frequently asked questions
What is a stablecoin payment?
A stablecoin payment is a payment made in a token, most commonly USDC, designed to hold a stable value pegged to a fiat currency like the US dollar, sent over a blockchain network instead of a card or bank rail.
Do I have to accept stablecoin payments on every invoice?
No. Stablecoin is one payment option you can enable on an invoice alongside card, ACH and wire — clients choose which method to use.
Does a client need a crypto wallet to pay?
Only if they choose the stablecoin option. The same invoice still accepts card, ACH, and wire for clients without a wallet.
How do I know a stablecoin payment actually went through?
The invoice is marked paid only after the payment is confirmed on the relevant blockchain, and you get a receipt with a block-explorer link to verify it independently.
Can I convert stablecoin payments to fiat?
Yes. Received stablecoin payments can be off-ramped to a connected bank account, so you don't need to hold crypto if you don't want to.