Your business operates 24/7, everywhere. Your money does not.
Paying a vendor across borders still means waiting days for the money to arrive, paying opaque fees along the way, and juggling multiple systems to keep track of it all. A vendor sends an invoice Friday afternoon, the wire cutoff has passed, and the payment is delayed until the following week. Maybe you try to fix it with a different system, adding fees and extra reconciliation work.
Today, Ramp is changing that.
You can now open a Ramp Stablecoin Account1 to store funds and send international payments, 24/7. Or you can just use stablecoins for payments: pay a vendor in USDC or USDT funded directly from your USD bank account.
All built directly into Ramp, so you can move money faster with no separate exchange, wallet workflow, or accounting process. One system for every way you pay or hold money.
The Stablecoin Account
A Ramp Stablecoin Account lets you hold digital dollars directly in Ramp. Always worth $1 and backed by cash reserves. It's not an investment. It doesn't fluctuate. It's a dollar built to move the way the internet moves: 24/7, across borders, and with no fees to convert between USD and USDC or USDT.
Hundreds of companies have already opened a Stablecoin Account that sits alongside their existing cash accounts. The same dashboard shows every balance. The same approval policies govern payments. The same accounting connections keep transactions in sync.
Hold stablecoins. Earn more.
Keep a balance in USD stablecoins. Earn up to 3.25%2 in rewards.
Pay across the globe.3
Send USDC or USDT directly to vendor or contractor wallets in 140+ countries. Or convert to fiat and pay in 40+ currencies through local rails.
Move money at any time.
You can fund your account and transfer money faster and at any time. No more banking cutoffs or wire windows.
"Ramp Stablecoin Accounts have enabled us to keep our treasury on-chain. We believe that traditional banks and rails do not serve the companies of tomorrow — instant, 24/7, programmable money is the future of money."
— Pravesh Mansharamani, CEO at Totalis
Pay in stablecoins from your bank account
Companies also have the option to get the same speed and savings without holding a separate balance.
Stablecoins are now a payment method in Ramp Bill Pay. Your vendor can receive USDC or USDT even if your business never holds stablecoins. Fund the payment from Ramp Checking4 or an external bank account, and Ramp converts the dollars before sending stablecoins directly to your vendor’s wallet.
More than 1,000 businesses already use stablecoins to pay vendors on Ramp — and more than 70% of that payment volume moves outside traditional banking hours.
How to get started
- Open a Stablecoin Account: Eligible customers can now open a Stablecoin Account. Navigate to Banking > New > Stablecoin Account. Not available to customers in New York.
- Pay a bill in USDC or USDT: Select stablecoins as the payment method in Bill Pay. No separate account required.
- New to Ramp? Book a demo to see how stablecoin payments fit into your existing workflow.
1 Ramp Business Corporation is a financial technology company and is not a bank or a digital asset custodian. Stablecoin custody is provided by Bridge Building Inc. and affiliates; customers must accept Bridge's terms of service. Stablecoin balances are not bank deposits, are not money, and are not insured by the FDIC, SIPC, or any other government-backed insurance program. Digital assets are subject to market and protocol risk and may lose value.
2 Rewards are paid by Ramp Business Corporation based on account activity and are not interest, yield, or a return on investment. Rate subject to change without notice. Eligibility criteria apply.
3 International payments may incur transaction or financing fees. Please see the Platform Agreement and Payment Card Addendum for additional details.
4 Ramp Business Corporation is a financial technology company and is not a bank. Checking Account deposit services provided by First Internet Bank of Indiana, Member FDIC.
The information provided in this article does not constitute accounting, legal, or financial advice and is for general informational purposes only. Please contact an accountant, attorney, or financial advisor to obtain advice with respect to your business.
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