Financial operations platform Ramp announced Tuesday the general availability of stablecoin accounts and payments, providing business customers one platform to hold, move, and account for both fiat and stablecoin funds.
Ramp says its stablecoin accounts let companies hold stablecoin balances, earn rewards, pay vendors, and reconcile every transaction automatically in their existing accounting system.
According to Ramp, payments on stablecoin rails are:
- Instant: Settlement happens in minutes, not business days—the money arrives when you send it.
- 24/7: There are no cutoff times, banking holidays, or weekend freezes. Treasury operates on your clock, not your bank’s.
- Global by default: The same rail reaches a vendor in Buenos Aires or Boston, with no correspondent chain in between.
- Programmable: Because payments are software-native, businesses can automate how money moves—from approval to settlement to reconciliation.
“Stablecoins are not a separate product bolted onto the platform. They are a native denomination inside the same system businesses already use for cards, bills, reimbursements, and banking,” Ramp said in a media release. “The same approval chains apply. The same limits apply. The same accounting integration applies. Whether a payment settles in USD or USDC is a detail, not a workflow.”
“Businesses shouldn’t need a second financial system just because a payment settles on different rails,” Andrew Chapello, stablecoin product manager at Ramp, said in a statement. “With stablecoin accounts, whether you’re paying a vendor in dollars, USDT, or USDC, it’s the same approval, the same controls, and the same books. That’s what it takes for stablecoins to become genuinely useful to every business, not just for crypto companies.”
Stablecoin accounts give finance teams full control across every stage of stablecoin use:
- Hold stablecoins and earn rewards: Businesses can open a Ramp stablecoin account alongside their existing Ramp accounts, hold stablecoin balances as part of their treasury, and earn rewards on those balances.
- Pay globally, instantly, from any account: Companies can pay vendors and employees in stablecoins directly from a stablecoin balance, a Ramp checking account, or a linked external bank account—no pre-funding required—and pay off their Ramp card with stablecoins. New since beta, businesses no longer need to hold stablecoins to send them.
- Keep the books clean automatically. Every stablecoin transaction syncs to the company’s accounting system with the same categorization, receipts, and audit trail as any fiat payment—including reconciliation capabilities built during the beta specifically for stablecoin transactions.
Ramp built stablecoin accounts in partnership with Stripe, whose crypto wallet infrastructure provider, Privy, securely stores customer balances as U.S. dollar-denominated stablecoins.
“The world’s fastest-growing fintechs, like Ramp, are building on internet-native rails with stablecoins,” Henri Stern, CEO and co-founder of Privy, said in a statement. “We are proud to see Ramp use Stripe’s stablecoin stack to provide incredible products that uniquely solve their customers’ challenges globally.”
Stablecoin accounts and payments are available today to all Ramp customers. More information can be found here.
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Tags: Accounting, payments, Ramp, Small Business, stablecoins, Technology
