Archive · 14 Jun 2025
Retailers Consider Stablecoins to Cut Card Fees
Big companies are looking into using digital currencies called stablecoins.
They hope to avoid paying high fees to credit card companies like Visa and Mastercard.
Stablecoins might let businesses get their money faster.
But, people like credit cards because of rewards.
So, it might be hard for everyone to switch to using them.
New rules about stablecoins are on the way, which could change how businesses handle money.
Retailers are exploring stablecoins to challenge fees from Visa and Mastercard.
Visa and Mastercard currently charge fees to merchants for card transactions.
Stablecoins could speed up transactions and offer instant settlement for merchants.
Consumers are accustomed to credit card rewards, which may hinder stablecoin adoption.
The Genius Act is anticipated to provide regulatory guidelines for stablecoins.
- Who
- Walmart, Amazon, and other retailers.
- What
- Retailers like Walmart and Amazon are exploring stablecoins for payments.
- When
- Recent discussions, with decisions pending regulatory developments.
- Where
- In the U.S.
- Why
- To reduce fees and potentially bypass traditional payment systems.
Merchants' Perspective
Consumers' Perspective
Benefits vs. Challenges
Merchants' Perspective
Retailers seek lower fees and faster transactions with stablecoins.
Consumers' Perspective
Consumers benefit from credit card rewards, potentially slowing stablecoin adoption.
- Companies Exploring Stablecoins
- Walmart, Amazon, Shopify
- Purpose
- Reduce merchant fees and speed up transactions
- Current Payment Systems
- Visa and Mastercard
- Regulation
- Genius Act
- Alternative Payment Method
- Pay-by-bank