Stablecoins 101: Your Guide to Borderless Payments

Cross‑border transfers are still complicated for many people who live, work, and support loved ones across different countries. 

Rather than replacing existing financial institutions, stablecoins increasingly operate alongside traditional rails, giving individuals and businesses another option to move funds internationally in a more transparent way.

What are Stablecoins and Why Now?

Stablecoins are cryptocurrencies designed to maintain a stable value by being pegged to an underlying asset, usually a major local currency like the US dollar. They aim to keep a 1:1 ratio with the asset they track. This makes them easier to use for everyday transfers, trading, and payments compared with other highly volatile cryptocurrency.

As cross-border activity grows, stablecoins give users a way to move value quickly across networks while still thinking in familiar currency terms and avoiding large price swings. As more people live, work, and support others across borders, there is growing demand for ways to move value quickly that are still simple to understand and price in local currency. Stablecoins sit at that intersection, acting like a digital version of familiar currency units that can travel on networks operating around the clock.

Challenges for Remote & Overseas Workers

If you live in one country and get paid from another, getting funds home can be slow, costly, and confusing. You often face double conversions, long waits, and a maze of apps just to pay for your daily necessities. Even today, sending funds internationally can sometimes feel like a “black box.”

The double conversion trap

Often, your assets are changed from your local currency into USD, and then again into your recipient’s currency. You lose a bit of value to fees at every single step.

High minimums

Many services are built for big businesses. If you only want to send a small amount to a family member, the flat fees can eat up a huge chunk of that gift.

Too many apps, too many sign‑ups

Right now, moving funds across borders usually feels like a marathon. You might need one app to receive your digital assets, another to hold them, and a third just to send them to your bank. Each new app requires another sign-up, another ID check, and, most frustratingly, another set of fees.

Even if every app is safe, jumping between them creates extra work and more room for mistakes.

The waiting game

It’s common for a transfer to disappear for 3 to 5 days while it moves through different banks. You’re often left guessing where your funds are and when they will arrive.

How Stablecoins Change International Payments

For remote and overseas workers

If you live in one country but earn in another local currency, stablecoins act as a “neutral” middle ground. You can receive your pay in stablecoins, hold those assets safely, and convert them to your local currency only when you need to pay rent or buy groceries.

Hedging against inflation

In places where local prices change quickly, holding stablecoins linked to the US Dollar can help protect your funds until you’re ready to spend it.

No “Business Hours”

Traditional transfers can get stuck for days because of weekends or public holidays. Stablecoin transfers move 24/7. While the final step into your bank account still depends on local rules, using stablecoins for the “middle” of the journey removes most of the wait.

How RedotPay Uses Stablecoins for International Transfers

Stablecoins offer one emerging way to simplify these flows by combining the familiarity of local currencies we use every day with the reach and speed of digital networks.​

RedotPay is designed so stablecoins work together with traditional banks, not in competition with them. We see stablecoins as a bridge between your digital wallet and your local bank account. You get the best of both worlds: the speed of digital assets and the familiar experience of using the accounts you already prefer.

The experience is kept simple for the person sending or receiving:

• Receive stablecoins like USDC into a RedotPay wallet from employers, clients, or other platforms.​
• See exactly how much will arrive in local currency, including the rate and any fees, before you confirm.​
• Move funds straight to supported bank accounts and local payment methods—such as instant transfer systems—through regulated partners, without switching between multiple apps.​
• Check the status of your transfer inside RedotPay, so you are not left guessing where it is.​

What This Means in Everyday Life

Gabriel is a senior UX consultant in São Paulo, working remotely for a tech firm in Europe. At home, he is used to instant Pix transfers and real‑time confirmations.​

His overseas compensation, however, arrived via EUR wire transfers from Berlin. These transfers typically took three to five business days to clear, sometimes delayed during the transfer process. After accounting for international transfer fees and the spread on the EUR/BRL conversion, Gabriel was losing roughly R$450 (around 80 USD) on each monthly invoice.​

Gabriel asked his employer to settle invoices in USDC to his RedotPay wallet instead. Once the stablecoins arrived, he used RedotPay’s “Send Crypto, Receive BRL” feature to move value into his Brazilian bank account.​

Because RedotPay connects to Pix via local partners, Gabriel simply entered his Pix key and his phone number to specify the receiving account. In the app, he saw the exact BRL amount he would receive, including a transparent conversion spread of about 1%, instead of the roughly 4% he had been paying through his previous setup.​

Transfers that once took up to a week now typically settle into his local account within minutes, even on weekends. By switching from a correspondent‑banking chain to a stablecoin‑enabled route that still ends in his regular bank, Gabriel effectively retains around 3% more of his annual earnings. All without changing clients or location.

For illustration purposes only; the characters and situations are fictional; any resemblance to real persons or events is purely coincidental.

Where Stablecoins and Traditional Finance Meet

For a growing number of cross‑border workers and businesses, stablecoins are becoming one more option in a global financial toolkit. Rather than replacing banks, they can enhance existing infrastructure by offering quicker, more programmable ways to move value between countries, while banks and licensed partners continue to provide local rails and safeguards.​

RedotPay is built to make stablecoin payments straightforward for real‑world use. We connect stablecoin networks with reliable banks and local payment systems so people can receive, hold, and move funds with confidence and transparency. Our mission is to make digital finance accessible, secure, and efficient for everyone. Whether they’re using stablecoins for everyday spending, saving, or transfers.

This content is provided for general information and illustration only and does not constitute legal, tax, or financial advice. The characters and situations are fictional; any resemblance to real persons or events is purely coincidental.

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