Stablecoins are digital currencies created to maintain a stable value, usually pegged to assets like the US Dollar or Euro. They combine the trust of traditional money with the borderless speed of blockchain, making them the most practical form of cryptocurrency for everyday payments.
With Oobit, you can use stablecoins like USDT, USDC, and DAI to pay anywhere Visa is accepted.
A stablecoin is a cryptocurrency designed to keep a consistent price. Unlike Bitcoin or Ethereum, which can fluctuate heavily, stablecoins are pegged to underlying assets such as national currencies like the US Dollar or Euro, commodities such as gold, or a diversified basket of assets.They achieve price stability in three main ways:
1
Fiat-backed reserves held in cash or Treasuries, such as USDT and USDC.
2
Crypto-collateralized smart contracts, where assets like ETH back the stablecoin, as with DAI.
3
Algorithmic supply controls, which attempt to maintain stability but remain experimental and high risk.
Stablecoins have become the backbone of digital finance, serving real-world needs:
Everyday payments
including groceries, rides, and online shopping
Remittances
with fast and low-cost cross-border transfers
Savings tool
for people in high-inflation economies
DeFi and trading
as the base currency in most crypto markets
Stablecoins now account for the majority of blockchain payment volume worldwide.
Feature
High price stability
Low volatility
Suitable for payments /savings
Everyday utility
Stablecoins
Bitcoin or
Ethereum
Bitcoin or Ethereum
Global Stablecoin Market 
The global stablecoin market has grown to more than 150 billion dollars in market capitalization in 2025, with billions of dollars in daily transactions taking place across blockchains. Adoption is especially strong in countries such as Brazil, Argentina, Nigeria, Turkey, and the Philippines, where stablecoins are increasingly used as a replacement for local currencies.
Beyond trading and payments, stablecoins are becoming a key driver of financial inclusion, giving the unbanked and underbanked population access to digital dollars for savings and everyday transactions.
Regulation of Stablecoins
Governments worldwide are actively shaping the future of stablecoins. In the European Union, the MiCA framework has introduced strict licensing requirements and mandatory reserve backing for issuers. In the United States, draft legislation is being prepared to regulate stablecoin issuance and ensure proper audits.
Across Latin America, adoption is outpacing regulation, with stablecoins already being used as everyday money. In Asia, approaches vary: countries like Singapore and the Philippines have embraced open adoption, while others such as China and India have imposed tighter restrictions.
Risks of Stablecoins
Even though they are designed to remain stable, stablecoins still carry risks. The most discussed concern is reserve transparency, with debates over whether issuers are always fully backed. Stablecoins may also experience temporary depegging during times of market stress.
Regulatory uncertainty adds another layer of risk, as rules differ significantly between regions and may change quickly. Finally, there are technology risks, including the potential for smart contract bugs or failures in the infrastructure that supports stablecoins.
According to the Visa Onchain Analytics report on stablecoin transactions, the leading stablecoins by global usage include USDT, USDC, PYUSD, USDP, FDUSD, and USDG. In addition, Oobit also supports widely adopted stablecoins such as DAI and EURR, making it easier to spend both the global leaders and regional favorites.
Stablecoin
USDT
The most widely used stablecoin worldwide
Stablecoin
USDC
USD-backed and known for transparency
Stablecoin
DAI
A decentralized and crypto-backed stablecoin
Stablecoin
EURR
Euro-backed for payments in the EU
Stablecoin
PYUSD
PayPal’s USD-backed stablecoin
Stablecoin
USDP
Pax Dollar, a regulated USD stablecoin
Stablecoin
FDUSD
First Digital USD, growing in adoption
Stablecoin
USDG
Global USD stablecoin for onchain payments
Stablecoin
USDR
Regulated stablecoin issued in the EU under MiCA
Stablecoin
XAUt
A gold-backed stablecoin issued by Tether
Stablecoin
RLUSD
RLUSD is a fiat-backed stablecoin, fully supported by U.S. Dollar.
Stablecoin
USD1
USD1 is the U.S. Dollar stablecoin issued by World Liberty Financial (WLF)
Stablecoin
USDe
USDe is a synthetic stablecoin created by Ethena Labs
Stablecoin
TUSD
TUSD (TrueUSD) is a fiat-backed stablecoin pegged 1:1 to the U.S. Dollar
Stablecoin
USDT0
USDT0 is the newest Tether stablecoin, pegged 1:1 to the US Dollar
Stablecoin
USDD
A decentralized algorithmic stablecoin built on the TRON blockchain.
Stablecoin
USAT
Tether’s upcoming U.S. regulated stablecoin pegged 1:1 to the U.S. Dollar.
With Oobit, stablecoins become spendable money.
Tap and Pay
Available anywhere Visa
is accepted
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Transfer to friends and family with zero fees (Wherever they are)
User-experience perfection.
Oobit + $USDt for payments in real-life.
Paolo Ardoino
CEO of Tether
Thanks to Oobit anyone can now pay with Bitcoin Cash, Bitcoin, Tether, Ethererum and other Crypto anywhere in the world that accepts Visa, right from their smart phone.
Roger Ver
Bitcoin Jesus
Real-Life Payment Integration:
BNB Chain is teaming up with Oobit to enable everyday purchases, like buying coffee, with stablecoins, making crypto transactions more practical and affordable.
BNB Chain
CEO of Tether
How crypto should be- digital cash, instant and helping the unbanked. Tap and Pay for everyday things in-store with your $VET knowing it has a significantly low carbon footprint.
Sarah Nabaa
VeChain foundation
TON x Oobit Use TON and USDt-TON with 100M+ retailers across the globe!
Just like Apple Pay®, the Oobit app allows you to shop, grab a coffee, then Tap & Pay with $USDt-TON & $TON.
TON
What are stablecoins?
A stablecoin is a cryptocurrency that maintains a steady value by being pegged to assets like the US Dollar or gold.
What are the 4 types of stablecoins?
Stablecoins can be fiat-backed, crypto-collateralized, commodity-backed, or algorithmic.
Is Bitcoin a stablecoin?
No. Bitcoin is a cryptocurrency and it is highly volatile. Stablecoins are created to keep a fixed value.
Who owns Tether USDT?
Tether Limited issues USDT which is the largest stablecoin in the world.
Can you make money with stablecoins?
Stablecoins are not designed for speculation, but they can earn interest or rewards through certain platforms.
Do stablecoins pay interest?
Some apps and platforms offer yield or staking rewards on stablecoins, depending on the provider.
Can I buy stablecoins?
Yes. USDT, USDC, and other stablecoins can be bought through exchanges, apps, and wallets such as Oobit.
Is a stablecoin better than Bitcoin?
They serve different purposes. Stablecoins are used for payments and stability. Bitcoin is used more as a store of value.
What is USDT?
What is USDT? USDT is Tether’s U.S. Dollar stablecoin, pegged 1:1 to the Dollar and backed by reserves.
Stablecoins are no longer just a bridge to crypto. They are becoming the new digital money. From retail payments to global transfers, they are reshaping how people interact with money.
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