When Digital Dollars Meet Daily Business: Stablecoins Move Beyond Settlement
XDC Network and OrbitX are connecting on-chain USDC with Visa-accepted merchants, pushing stablecoins closer to everyday commerce.
Opinions expressed by Entrepreneur contributors are their own.
You're reading Entrepreneur Asia Pacific, an international franchise of Entrepreneur Media.
For industry stakeholders operating across borders, moving money is often more complicated than moving goods or services. Payments can take days to settle, conversion fees eat into margins, and accessing funds across markets often requires navigating multiple intermediaries. Even as digital finance has advanced, everyday spending has remained tied to legacy systems.
Yet despite this growth, stablecoins have largely remained confined to settlement. Paying suppliers, covering operational expenses, or making routine purchases has typically required converting digital dollars back into fiat through banks or custodial off-ramps. For founders and finance teams, this process reintroduces delays, added costs, and counterparty risk—diluting the efficiency stablecoins promise.
Closing this gap between holding digital dollars and actually using them has become a priority for blockchain infrastructure providers. One recent step in this direction comes from XDC Network, which has partnered with OrbitX Pay to enable USDC held on-chain to be spent at Visa-accepted merchants globally. The goal is to allow businesses to move directly from on-chain liquidity to real-world payments, without relying on traditional banking conversions.
“This reflects how we see blockchain infrastructure evolving,” said Ritesh Kakkaad, Co-founder of XDC Network. “XDC was built to support real-world financial activity. The opportunity is when blockchain moves beyond settlement and starts supporting everyday economic use.”
Under the integration, USDC held on the XDC Network can be spent through a card-based payment flow that connects blockchain balances to existing merchant networks. From a user perspective, transactions function like traditional card payments. Behind the scenes, settlement continues to occur on-chain, with users retaining control of their assets until the moment of payment.
For businesses operating across multiple jurisdictions, the implications are practical. Real-time settlement reduces the need for prefunded accounts, minimizes foreign exchange spreads, and shortens reconciliation cycles. These efficiencies can improve cash-flow visibility and lower operational overhead—particularly for companies managing suppliers, contractors, or customers across borders.
OrbitX positions this approach as a way to align digital finance with how businesses already operate. “Stablecoins are most effective when they fit naturally into existing payment habits,” said Ankitt Guar, Founder and CEO of OrbitX. “By connecting on-chain value to global payment networks, we’re focused on reducing friction for businesses that already rely on digital dollars.”
Demand for crypto-to-spending solutions has been strongest in regions where traditional payment rails remain costly or inconsistent. Parts of the Middle East, Southeast Asia, and Latin America have seen growing adoption, driven by businesses that need faster access to funds without navigating multiple layers of banking infrastructure
About XDC Network
XDC Network is an open-source, EVM-compatible Layer-1 blockchain built for payments, trade finance, and real-world assets, offering high throughput, low fees, and enterprise-grade security, while being ISO 20022–compliant to support interoperability with global financial messaging and payment systems. XDC Network underpins a growing ecosystem of regulated digital money, trade, and settlement solutions across the globe.
OrbitX Pay is building a borderless financial infrastructure powered by stablecoins, enabling seamless conversion between on-chain assets and real-world spending. The platform provides self-custodial payment solutions that preserve user control while connecting to global payment networks. Learn more at https://orbitxpay.com/
For industry stakeholders operating across borders, moving money is often more complicated than moving goods or services. Payments can take days to settle, conversion fees eat into margins, and accessing funds across markets often requires navigating multiple intermediaries. Even as digital finance has advanced, everyday spending has remained tied to legacy systems.
Yet despite this growth, stablecoins have largely remained confined to settlement. Paying suppliers, covering operational expenses, or making routine purchases has typically required converting digital dollars back into fiat through banks or custodial off-ramps. For founders and finance teams, this process reintroduces delays, added costs, and counterparty risk—diluting the efficiency stablecoins promise.
Closing this gap between holding digital dollars and actually using them has become a priority for blockchain infrastructure providers. One recent step in this direction comes from XDC Network, which has partnered with OrbitX Pay to enable USDC held on-chain to be spent at Visa-accepted merchants globally. The goal is to allow businesses to move directly from on-chain liquidity to real-world payments, without relying on traditional banking conversions.
