10 melhores Stablecoin para pagamentos B2B

In today's globalised economy, businesses need systems to execute B2B payments that are secure, efficient, and transparent. Other currencies often involve inefficiency in the form of high fees, delays, and complicity. Stablecoins are becoming influential tools in B2B payment transactions to establish stability and faster processing periods without volatility concerns. Let's take a deep plunge into the top 10 stablecoins designed for seamless business payments.

Top stablecoins for business payments

1. Tether (USDT)

Tether is among the oldest stable coins in digital payments and is applied in cross-border B2B payments and global transactions. Pegged to the US dollar, USDT keeps a very stable value; it is therefore highly appropriate for businesses searching for stability without the volatility usually associated with other digital assets.

2. Moeda de USD (USDC)

USD Coin (USDC) is a regulated, auditable, and transparent stablecoin linked to the US dollar. It has been launched by Centre-a joint venture comprising Coinbase. With tight regulatory compliance, USDC is at first rank in the books of businesses which not only respect their alignment with relevant regulations but also ensure transparency in all the operations. Each USDC is backed up by a dollar deposit, which periodically undergoes checks for stability and reliability. That means businesses can make cross-border payments successfully by having a flexible source of reliable payment high in compatibility with various payment systems and networks on the blockchain.

3. Binance USD (BUSD)

Binance USD, or BUSD, is the stablecoin pegged to the US dollar, developed jointly by Binance and Paxos. It has gained strong recognition as a regulated product; in fact, it has been approved by the New York State Department of Financial Services. That means it is a good option for business entities that focus on compliance. A deep liquidity within the Binance system provides an excellent payment solution for businesses, that is known for absorbing volumes of transactions with good solvency support, well-suited for companies conducting operations within the Binance's platform and further abroad. It processes rapidly at low fees, making it practical for cross-border B2B payments.

4. DAI

DAI is a decentralised stablecoin managed by MakerDAO, pegged to the US dollar through collateralized assets rather than direct dollar reserves. This structure sets DAI independent of centralised issuers, and businesses are, therefore, attracted to the decentralised finance. DAI is added with one more layer of security and transparency concerning B2B payments. Its issuance is controlled by smart contracts and stability ensured if there is any variation. Businesses that use DAI have hence got an option of stable but still flexible payment whose consistency is homogeneous with decentralised finance, whose transactions in a cross-border manner would be secure and reliable as well.

5. Pax Dollar (USDP)

Pax Dollar (USDP), formerly known as Paxos Standard, was introduced by Paxos, a financial institution based in New York, to the marketplace. With a solid regulatory framework, USDP will offer more transparency and security through its dollar reserves, and businesses which require safe B2B payment solutions can be assured to use it. USDP is known for value stability and strict regulations, giving business complete confidence, especially in highly regulated sectors. The instant settlement capability and very low fees provide added advantages for cross-border transactions-in other words, businesses can work uncompromisingly across borders.

6. TrueUSD (TUSD)

TrueUSD, or TUSD, is a stablecoin pegged with the US dollar, backed by the dollars held in escrow accounts and regularly attested. The business world has placed a lot of trust in it due to its conformance to and respect for regulating standards and very safe custodial structure appealing to businesses requiring stable and transparent financial solutions. TUSD's architecture and regular check-ups provide considerable security confidence for B2B transactions, especially in high-regulation industries requiring asset-backed guarantees. Multichain availability also bestows on companies an added flexibility for deployment across different ecosystems, a plus for firms engaged in cross-platform transactions and cross-border business trades.

7. Gemini Dollar (GUSD)

Gemini Dollar is a product by Gemini Trust, another dollar-pegged stablecoin developed with a strict focus on regulatory compliance as well as on transparency. The fact that the product comes from a licensed and regulated financial institution, located in New York, adds yet another level of security for businesses - making it a perfect stablecoin for high-value business-to-business transactions, which require a high degree of oversight. GUSD does scheduled audits, and practise for issuance is very secure with 1:1 dollar peg that makes it a stable option for companies that need reliable and regulated solutions for performing both domestic and international transactions. This stablecoin is ideal for businesses in regulated sectors that tend to focus on making sure financial dealings are compliant, secure, and auditable.

8. TerraUSD (UST)

TerraUSD is a decentralised stablecoin also known colloquially as UST. TerraUSD pegs its value to the US dollar. Issued on the Terra blockchain, TerraUSD brought an entirely new kind of approach to stability without any reserve banks for its stabilisation. Instead, UST makes use of Terra's algorithmic system in order to maintain its peg. TerraUSD is quite appealing to businesses looking forward to cashing in on decentralised finance with fast settlement times and low fees on the Terra network-a specific feature useful in B2B payments, especially in high-processing fields in an industry requiring real-time transactions. UST's application with many decentralised platforms also makes it an effective tool for companies .

9. HUSD

This product has widely received recognition due to its security, regulatory compliance, and the richness of liquidity. HUSD in the Huobi ecosystem is perfectly optimized for businesses performing high-value transactions or those with high frequency, especially cross-border payments. Its greatest strength is the robust exposure in the trading platform of Huobi, with adequate liquidity for the speedy and secure completion of transactions. Businesses using HUSD enjoy benefits of minimal fees, short settlement time, and reliability, hence an option for cross-border B2B payments. The second reason is that US regulations are used to ensure security in transactions involving the use of HUSD, thus comfortable for companies with transparency and efficiency in the process of international payment.

10. Celo Dollar (cUSD)

The Celo Dollar, or cUSD, is a mobile-first stablecoin designed to make payments accessible in regions where mobile transactions are the dominant mode. Pegged to the US dollar, cUSD is part of the Celo ecosystem, set on financial inclusion through decentralised mobile applications. This makes cUSD perfect for businesses seeking versatile, fast, and inexpensive solutions for digital and mobile payment, especially in emerging markets. Celo Dollar provides infrastructure that is mobile friendly. Hence, companies can process B2B payments quickly, collect customer payments, and make funds disbursement even in areas where the traditional banking infrastructure is minimal. Since cUSD focuses on mobilising compatibility and instant transactions, businesses can attain a simple way to tap into the booming mobile economy and penetrate international markets effectively.

Final Thoughts on the use of Stablecoins for Cross-Border B2B Payments

In conclusion, Ramp" payment solutions enable corporations to effortlessly draw down and settle any of multiple stablecoins, thus enabling flexibility and scaling in financial operations. Our "Payouts" simplifies cross-border payments while disbursing funds to an employee or supplier across the world. For companies looking to collect payments from a customer base spread across the world, our "Collection" tool is an excellent choice, with the promise of real-time collections for all international transactions. 

FAQs

Q1. What are stablecoins and how do they facilitate B2B payments?

A stablecoin is a form of digital asset pegged to the value of other more traditional currencies, such as the US dollar. Stablecoins are useful as they do not deal in any volatility. This makes them perfect in allowing a fast yet reliable payment solution for businesses.

Q2. How can I choose the appropriate stablecoin for my business?

This depends on acceptance through regulatory policies, fees that a transaction will have, speed, and accessibility in other payment platforms. Every business can compare the features and the benefits of every stablecoin and thus select the best according to their requirements.

Q3. Am I eligible to make use of stablecoins in value transactions for deals of B2B businesses?

Stablecoins are best suited for high-value B2B transactions. They are stable, and it is transparent enough to be used for large payments, especially for regulated industries.

Q4. Are there stablecoin collection options?

Most of the stablecoins offer a variety of collection solutions in which businesses can initiate collections smoothly. Collection products enable funds to arrive in a timely and secure manner.

Q5. Are transactions involving stablecoins reversible in case of an error?

Most stablecoin transactions, unlike other forms of payment, are irreversible after confirmation on the blockchain. Thus, businesses are advised to crosscheck all information over every transaction before processing. Some stablecoin websites do have an escrow or conflict resolution solution that provides for higher security if there is a dispute case.