Stablecoin payments, built into your finance workflows.
Send and receive USDC and USDT in supported jurisdictions, in the same workflows that run your cards, bills, and accounting.
Move money across borders in minutes, not days.
Send payments when banks are closed, so urgent vendor and contractor payments don't wait for wire windows.
Pay vendors, contractors, and reimburse employees in USDC or USDT.
Pay from your stablecoin balance in minutes when local rails are slow or expensive.
Manage fiat and stablecoin obligations in one system.
Use your stablecoins to pay cards, bills, and reimbursements in USD via ACH or wire the way your partners expect.
Hold a stablecoin balance. Earn up to 3.25% in rewards.*
Earn rewards on your stablecoin balance in months you meet activity criteria. Ramp covers gas fees on stablecoin payments from your account.
Syncs to your ERP in real time.
Balances and payments sync to your accounting system as cash equivalents, mapped to your existing accounting categories.
Exchange dollars for stablecoins, 1:1.
Same approvals and audit trail.
Time is money. Save both.
FAQs
Stablecoin payments are transfers of stablecoins—digital dollars such as USDC and USDT that are designed to track the value of the US dollar—sent over blockchain networks instead of bank rails like ACH or wire. With Ramp, businesses can send stablecoin payments to vendors and contractors from a global stablecoin account, through the same Bill Pay approvals and accounting sync used for every other bill.
Ramp's stablecoin account lets US businesses hold USDC and USDT and use that balance to make stablecoin payments to vendors and contractors, and to pay Ramp Card statements, bills, and employee reimbursements, all via Ramp. You can fund it with stablecoins, or with USD via ACH or wire, which Ramp converts automatically.
In Ramp Bill Pay, set the invoice currency to USDC or USDT and choose your stablecoin account under "Pay from account."
You can also send a vendor payment directly from your stablecoin account (Move money → Send payment). You don't need to hold stablecoins to pay a vendor in stablecoins—Bill Pay can also fund stablecoin payments in USD from another linked account.
Vendors and contractors with a stablecoin wallet address that supports the coin and network you're sending can generally accept stablecoin payments, subject to eligibility. On Ramp, you can request a vendor's stablecoin wallet details by selecting "Stablecoin payment details" in a vendor details request, and the vendor submits them through the Ramp Vendor Portal.
Ramp's global stablecoin account supports USDC, USDT, and OUSD, three of the most widely used US dollar stablecoins. You can deposit stablecoins on Base, Ethereum, Polygon, Arbitrum, Optimism, Solana, and Tempo. Make sure you send the correct stablecoin on the correct network—funds sent as the wrong asset or to an incorrect wallet address can't be recovered.
No. Stablecoin balances are not bank deposits, not money, not legal tender, and are not insured by the FDIC, SIPC, or any other government-backed insurance program. Ramp Business Corporation is a financial technology company, not a bank and not a digital asset custodian. Stablecoin custody and other services are provided by Bridge Building Inc and its affiliates, and customers must accept Bridge's terms of service and privacy policy. Digital assets are subject to market and protocol risk and may lose value. Availability is limited to supported jurisdictions.
You can earn up to 3.25% in rewards* on your average daily stablecoin balance in any month you meet two activity requirements: deposit at least $5,000 in eligible USD-denominated stablecoins, and complete at least five qualifying payments (Ramp Card statement payments, Bill Pay bills, or reimbursements). Rewards are paid within the first five business days of the following month.
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.
US-based businesses, except businesses based in New York. For multi-entity businesses, the account is available to your primary entity. See footer for full disclosures.
Ramp covers gas fees for stablecoin payments made from your stablecoin account and does not charge transaction fees.