Ramp Introduces Stablecoin Accounts for Unified Fiat and Digital Payments

Ramp has launched stablecoin accounts and payments for its business customers.

The new product integrates digital asset and fiat transactions into a single spend management platform, allowing businesses to use stablecoin rails for cross-border settlements alongside traditional payment methods.

According to Ramp, approximately US$150 trillion to US$180 trillion moves through the SWIFT network annually.

These transactions are typically subject to foreign exchange spreads and correspondent banking fees. Settlement can also take three to five business days.

The company is positioning its stablecoin rails as an alternative that offers settlement in minutes and continuous availability outside standard banking hours.

Managing stablecoins like fiat

Ramp noted that regulatory frameworks for stablecoins have advanced in the US and Europe. However, corporate back-office processes have not kept pace.

Finance teams often have to use separate digital wallets or exchanges, apply manual approval controls, and reconcile transactions separately.

Ramp’s stablecoin accounts are designed to function as a native denomination within the system businesses already use for cards, bills, and banking. The same approval chains, spending limits, and accounting integrations apply to both fiat and stablecoin transactions.

Businesses can open a stablecoin account alongside their existing Ramp accounts to hold digital balances and earn rewards. They can pay vendors globally directly from a stablecoin balance, a Ramp checking account, or a linked external bank account.

Following updates after the beta phase, businesses no longer need to hold stablecoins before sending payments.

Every stablecoin transaction syncs to a company’s accounting software with the same categorisation, receipts, and audit trail used for fiat payments.

“Businesses shouldn’t need a second financial system just because a payment settles on different rails,”

said Andrew Chapello, Stablecoin Product Manager at Ramp.

“With stablecoin accounts, whether you’re paying a vendor in dollars, USDT, or USDC, it’s the same approval, the same controls, and the same books.”

Infrastructure and beta adoption

The company developed the infrastructure in partnership with Stripe, using Stripe’s Bridge and Privy platforms to support stablecoin issuance, orchestration, and wallet infrastructure behind the scenes.

During the public beta, more than 150 Ramp customers adopted stablecoin accounts.

The company noted that adoption extended beyond crypto-native firms. These included agricultural businesses, religious organisations, and other companies managing treasury and vendor payments.

Featured image credit: Edited by Fintech News Switzerland, based on image by dit26978 via Magnific

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