Payoneer Embeds Stablecoin Payments via Stripe

This partnership taps into the rapidly growing use of stablecoins for B2B payments, a market that surged from under $100 million in monthly volume in early 2023 to over $3 billion by 2025. The move positions Payoneer to capture a greater share of B2B transactions, which saw 21% volume growth in Q4 2025 and now account for 30% of the company's revenue excluding interest income. Stripe's Bridge infrastructure is the core of this integration, acting as an orchestration layer that connects blockchain payment rails to traditional fiat systems. It allows Payoneer to embed USDC payment and payout capabilities without needing to build its own complex blockchain infrastructure, handling the conversion so that end merchants can receive funds as fiat in their Stripe-connected accounts. The integration directly addresses major pain points in the $156 trillion cross-border payments market. While the SWIFT gpi initiative has improved speeds, many transfers still take 24 hours or more to settle. Traditional cross-border B2B payments can also incur fees ranging from 1% to over 5% of the transaction value, often with a lack of transparency. Stablecoins offer a significant infrastructure upgrade, enabling near-instant, 24/7 settlement in minutes rather than days. This shift from a messaging-based system like SWIFT—which moves instructions about money—to the atomic settlement of stablecoins, where the asset and transaction finality move together, drastically improves capital efficiency for businesses. This move comes as the regulatory landscape for institutional stablecoin use solidifies. Key frameworks like the EU's Markets in Crypto-Assets (MiCA) regulation and the U.S. GENIUS Act are being fully implemented in 2026. These regulations mandate that stablecoin issuers be licensed and maintain 1:1 reserves with high-quality liquid assets, providing the legal clarity necessary for wider enterprise adoption. Payoneer is not alone in this strategic shift. Other major financial players like Visa are already using USDC for treasury operations and cross-border settlement, signaling a broader industry trend of integrating stablecoins as a core, behind-the-scenes payment rail rather than a speculative asset. To support its stablecoin strategy, Payoneer also filed an application in February 2026 to establish an uninsured national trust bank in the U.S. with the Office of the Comptroller of the Currency (OCC). This move indicates a long-term vision to build regulated, in-house infrastructure for handling digital assets.