Put your payments on internet rails
Accelerate your growth with near-instant, low-cost, global transactions made possible by stablecoins.
Borderless3 by design. Near-instant by default.
B2B payments
Facilitate business transactions locally and globally with near-instant, low-cost USDC settlement.
Remesas
Enable secure, near-instant, and affordable consumer remittances worldwide, even in underbanked regions.
Pago de salarios
Streamline payroll and give your distributed workforce access to digital dollars that easily convert to local currency.
Merchant payments
Significantly reduce transaction costs and improve cash flow with near-instant USDC settlement.
The visibility of USDC at any stage in the payment process combined with the 1:1 redeemability with US dollars strengthens trust in our services and unlocks exponential growth on both the demand and supply side.”
Neobancos
Simplify your global payments infrastructure, minimize reliance on expensive correspondent banking, and expand your reach to emerging markets.
Payment service providers
Enhance payment capabilities with 24/7 near-instant settlements, reduced costs, and improved fund flow transparency.
Fintechs
Deliver innovative, cost-effective global payments that accelerate your market entry and set you apart in competitive landscapes.
Enterprise
Make your payments more efficient by reducing transaction costs and settlement delays, even when moving money at scale.
Time is money. With Circle, companies are saving both.
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Acctual uses USDC to help businesses streamline global payments and accounting, powering over $25M in fast, low-cost USDC invoices across 100+ countries.
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Arf uses USDC to provide real-time liquidity for cross-border payments, eliminating prefunding and freeing payment companies to unlock growth.
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Immersve partnered with Circle to enable everyday spending with USDC with Mastercard — allowing users to pay in USDC at over 90 million merchants worldwide.
The building blocks of better payments
Circle Payments Network⁴
Connect to a global network of financial institutions that move money in real-time, 24/7, powered by stablecoins.
Make payments with Circle
Build with Circle
Preguntas frecuentes
Los pagos cross-border con Circle y USDC se completan en tres sencillos pasos:
- Acceda a USDC: Acceda a USDC utilizando Circle Mint, un intercambio, u otro proveedor de liquidez.
- Envíe USDC al destinatario: inicie una transacción a la billetera del destinatario a través de la blockchain.
- Distribute to beneficiaries: Beneficiaries can receive USDC in their wallets (see how you can create in-app wallets using Wallets) or they can receive local currency in their bank accounts.
La solución de pagos cross-border de Circle es segura porque se basa en USDC y aprovecha la tecnología de la blockchain para completar las transacciones. Las reservas del USDC de Circle son transparentes, se auditan todos los meses y están respaldadas por efectivo y activos equivalentes en efectivo.
Los pagos cross-border tradicionales pueden ser procesados por redes de bancos corresponsales, lo que puede implicar que los fondos se muevan a través de varias instituciones intermediarias que pueden cobrar una comisión cada una y tardar un día o más en procesar cada tramo de la transacción.
Algunas regiones carecen de una infraestructura bancaria adecuada, lo que da lugar a poblaciones no bancarizadas o con acceso limitado a servicios bancarios. En estos casos, los pagos tradicionales pueden ser difíciles o imposibles de concretar, mientras que los pagos cross-border en USDC se pueden completar con apenas un dispositivo conectado a Internet y una billetera digital, sin necesidad de una cuenta bancaria.
La solución de pagos cross-border de Circle difiere de las transferencias SWIFT que se basan en bancos corresponsales en los siguientes aspectos:
- Liquidación las 24 horas, todos los días: la liquidación instantánea de USDC frente a la liquidación masiva al final del día hábil de SWIFT significa que usted reduce su costo de capital y sus necesidades de liquidez global.
- Menos intermediarios: la solución de pagos cross-border de Circle no requiere la participación de bancos corresponsales. Los pagos van directamente del remitente al destinatario, sin importar en qué países se encuentren. Como resultado, se minimizan las comisiones de corresponsalía bancaria, así como los retrasos y riesgos en la liquidación. Además, la solución de Circle hace que sea más sencillo y barato llegar a los países menos desarrollados con una infraestructura financiera deficiente.
- Elección del receptor: su destinatario puede recibir USDC o moneda local, según cuáles sean sus preferencias personales.
- Visibilidad en tiempo real: usted sabe dónde están sus fondos en todo momento. No es necesario tener que adivinar si pueden haber quedado atrapados en tránsito.
Vea cómo Felix usa el USDC como alternativa al sistema SWIFT.
Aunque existen otras soluciones de pagos cross-border basadas en la blockchain, la solución de Circle se diferencia del resto porque es:
- Público: el USDC es un protocolo abierto que está disponible en blockchains públicas. Esto hace que el USDC sea más útil para los destinatarios porque pueden convertirlo en moneda fiat (off-ramp) o enviarlo a otros.
- Abierto e interoperable: El USDC funciona en múltiples blockchains y tiene una gran liquidez en aplicaciones financieras descentralizadas, lo que significa que sus tenencias no dependen de una sola empresa para su utilidad.
- Estable: el USDC se puede canjear en una relación de 1 a 1 por dólares estadounidenses para los clientes de Circle Mint, lo que lo convierte en un depósito de valor estable, así como un mecanismo de pago.
- Es una solución integral: Circle ofrece stablecoins, billeteras, smart contracts y otras herramientas de desarrollo de la blockchain, todo bajo un mismo techo.
- USDC is issued by regulated entities of Circle. A list of Circle’s regulatory authorizations can be found here.
- On blockchains such as Arbitrum, Base, and Solana
- Circle Mint supports international wires and domestic bank transfers in 185+ countries. Circle Mint is currently available only to institutions and is not available to individuals.
- Circle Technology Services, LLC (CTS) is the operator of Circle Payments Network (CPN) and offers products and services to financial institutions that participate in CPN to facilitate their CPN access and integration. CPN connects participating financial institutions around the world, with CTS serving as the technology service provider to participating financial institutions. While CTS does not hold funds or manage accounts on behalf of customers, we enable the global ecosystem of participating financial institutions to connect directly with each other, communicate securely, and settle directly with each other. CTS is not a party to transactions between participating financial institutions facilitated by CPN who use CPN to execute transactions at their own risk. Use of CPN is subject to the CPN Rules and the CPN Participation Agreement between CTS and a participating financial institution.
- Circle Mint and money transmission services are provided by Circle Internet Financial, LLC. Circle Internet Financial, LLC, NMLS # 1201441, is a licensed provider of money transmission services. A full list of Circle’s licenses can be found here.
- Circle Technology Services, LLC (“CTS”) is a software provider and does not provide regulated financial or advisory services. You are solely responsible for services you provide to users, including obtaining any necessary licenses or approvals and otherwise complying with applicable laws. For additional details, please click here to see the Circle Developer terms of service. (there's a link at "click here")
- Circle Mint customers are able to redeem USDC directly from Circle. In addition, Circle will redeem all USDC presented to it for redemption in compliance with MiCAR, regardless of whether the holder is a Circle Mint customer. Circle Mint is currently available only to institutions and is not available to individuals.
- All-time volume represents the total amount of USDC onchain activity that took place between September 2018 and Apr 14, 2025 8:00 PM. This represents EVM token transfer volume on native and canonically bridged USDC on the following chains: Arbitrum, Avalanche, Base, Binance, Ethereum, Fantom, Linea, Mantle, OP Mainnet, Polygon PoS, ZKSync.
- Circulation last updated as of Apr 15, 2025 9:11 AM