Put your payments on internet rails

Accelerate your growth with near-instant, low-cost, global transactions made possible by stablecoins.

Partner with CircleVer documentação
Two images showing financial transactions: the top shows a woman working on a laptop with an overlay reading ‘Deposit', the bottom shows two people working at a desktop computer with an overlay reading ‘Payment.’

24h

availability

185+

countries

#1

largest regulated1 stablecoin

<1s

settlement on major blockchains2

Borderless3 by design. Near-instant by default.

Man in a modern office discussing paperwork at a table with another person, with a city skyline in the background.

B2B payments

Facilitate business transactions locally and globally with near-instant, low-cost USDC settlement.

Two people sitting in the back seat of a car, smiling as they look at a smartphone together.

Remessas

Enable secure, near-instant, and affordable consumer remittances worldwide, even in underbanked regions.

Man seated at a window-side cafe table with a laptop, looking outside while holding his chin in thought.

Folha de pagamento

Streamline payroll and give your distributed workforce access to digital dollars that easily convert to local currency.

Smiling man reading a document in a warehouse, surrounded by stacked cardboard boxes.

Merchant payments

Significantly reduce transaction costs and improve cash flow with near-instant USDC settlement.

erhat nalbant arf

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.”

“
Ali Erhat Nalbant
Co-founder & CEO

The new precedent for
money movement

An untapped global audience

Use stablecoin payments to access new global markets and connect with prospective partners and customers worldwide.

Near-zero transaction costs

Circle’s platform eliminates costly intermediaries and reduces prefunding needs, so more value reaches your bottom line and your customers.

Settlements in seconds

Build efficiency with payments that clear near-instantly, globally — making even ‘T+1’ a phrase of the past.

Real-time transparency

Know where your money is at every moment with blockchain-based payments stored on secure, transparent, always-available ledgers.

Neobanks

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.

Lorem ipsum dolor sit amet, consectetur adipiscing elit.

Acctual uses USDC to help businesses streamline global payments and accounting, powering over $25M in fast, low-cost USDC invoices across 100+ countries.

Read case study
Read case study

Lorem ipsum dolor sit amet, consectetur adipiscing elit.

Arf uses USDC to provide real-time liquidity for cross-border payments, eliminating prefunding and freeing payment companies to unlock growth.

Read case study
Read case study

Lorem ipsum dolor sit amet, consectetur adipiscing elit.

Immersve partnered with Circle to enable everyday spending with USDC with Mastercard — allowing users to pay in USDC at over 90 million merchants worldwide.

Read case study
Read case study

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.

Saiba mais
Saiba mais
Saiba mais

USDC

Use the world’s largest regulated¹ digital dollar to deliver secure, low-cost payments globally in seconds — all with unparalleled transparency and complete control over your transactions.

Saiba mais
Saiba mais
Saiba mais

Mint⁵

Quickly convert fiat to USDC at scale with no fees. Manage funds and integrate USDC payments into your systems for fast, global transactions and simplified reconciliation.

Saiba mais
Saiba mais
Saiba mais

Wallets⁶

Embed secure, user-friendly wallets into your app so customers can easily store, send, and use digital assets — unlocking fast, global transactions with built-in compliance and security.

Saiba mais
Saiba mais
Saiba mais
Ícone do USDC

Powered by the world’s largest regulated1 digital dollar

USDC is the digital dollar that makes sending money across the globe as fast and seamless as sending an email, often for fractions of a penny. Fully redeemable 1:1 for US dollars7, USDC connects you to a world of opportunity.

Explore USDC

$26T

all-time volume8

$60B

USDC in circulation9

2018

minting since

Make payments with Circle

Partner with Circle

Join the Circle network to unlock access to our global ecosystem of partners and products.
Começar
Começar
Começar

Build with Circle

Explore our Developer Console to see how you can integrate Circle solutions for your use case.
Comece a desenvolver
Comece a desenvolver
Comece a desenvolver

Perguntas frequentes

Os pagamentos internacionais com a Circle e o USDC são realizados em três etapas simples:

  1. Acesso ao USDC: acesse o USDC usando o Circle Mint, uma corretora ou outro provedor de liquidez.
  2. Envio do USDC ao destinatário: inicie uma transação para a carteira do destinatário por meio da blockchain.
  3. 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.

A solução de pagamento cross-border da Circle é segura porque foi desenvolvida com base no USDC e utiliza a tecnologia blockchain para concluir as transações. As reservas de USDC da Circle são transparentes, auditadas mensalmente e lastreadas em dinheiro e ativos equivalentes a dinheiro.

Os pagamentos internacionais tradicionais podem ser processados por redes de correspondentes bancários, o que pode envolver a movimentação de fundos por meio de várias instituições intermediárias que podem cobrar uma taxa e levar um dia ou mais para processar cada etapa da transação.

Algumas regiões carecem de infraestrutura bancária adequada, resultando em populações sem acesso a serviços bancários ou com acesso limitado. Nesses casos, os pagamentos tradicionais podem ser difíceis ou impossíveis de fazer. Em contraste, basta um dispositivo conectado à internet e uma carteira digital para realizar pagamentos internacionais com USDC, sem necessidade de contas bancárias.

A solução de pagamento cross-border da Circle difere das transferências SWIFT realizadas por correspondentes bancários das seguintes maneiras:

  • Liquidação 24 horas: a liquidação instantânea do USDC, em comparação com a liquidação em lote ao final do dia útil do SWIFT, representa necessidades de liquidez global e custo de capital menores.
  • Menos intermediários: a solução de pagamento internacional da Circle não exige o envolvimento de correspondentes bancários. Os pagamentos vão diretamente do remetente para o destinatário, independentemente dos países em que se encontram. Como resultado, as taxas dos correspondentes bancários e os atrasos e riscos de liquidação são minimizados. Além disso, a solução da Circle torna mais fácil e mais barato chegar até os países menos desenvolvidos, com infraestrutura financeira abaixo do ideal.
  • Escolha do destinatário: o destinatário pode receber USDC ou moeda local, dependendo da preferência pessoal.
  • Acompanhamento em tempo real: você sempre sabe onde seus fundos estão e não se preocupa com onde eles podem estar.

Veja como a Felix está usando o USDC como alternativa ao SWIFT.

Embora existam outras soluções de pagamento cross-border via blockchain disponíveis, a solução da Circle se diferencia das demais porque é:

  • Público: o USDC é um protocolo aberto baseado em blockchains públicas. Isso é muito útil para os destinatários, pois eles podem fazer o câmbio de volta para moeda fiduciária ou enviar os dólares digitais para outras pessoas.
  • Aberto e interoperável: O USDC funciona em várias blockchains e tem alta liquidez em aplicativos de decentralized finance (finanças descentralizadas), o que significa que seus ativos não dependem de uma única empresa para ser usados.
  • Estável: para clientes do Circle Mint, o USDC pode ser regatado à proporção de 1:1 por dólares americanos, o que faz dele uma reserva de valor estável e um mecanismo de pagamento.
  • Plataforma completa: a Circle oferece stablecoins, carteiras, smart contracts (contratos inteligentes) e outras ferramentas de desenvolvimento de blockchain, tudo em um só lugar.
  1. USDC is issued by regulated entities of Circle. A list of Circle’s regulatory authorizations can be found here.
  2. On blockchains such as Arbitrum, Base, and Solana
  3. 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.
  4. 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.
  5. 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.
  6. 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")
  7. 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.
  8. 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.
  9. Circulation last updated as of Apr 15, 2025 9:11 AM