In a significant move bridging traditional finance and digital asset infrastructure, Ivy, a Berlin-based fintech specializing in real-time payments, has integrated Circle’s USDC and EURC stablecoins into its always-on transaction network. This integration positions Ivy as a forward-thinking player in the evolving landscape of global digital payments, enabling seamless conversions between fiat and stablecoins for businesses across Europe and beyond.
👉 Discover how real-time payment networks are reshaping cross-border transactions.
Bridging Fiat and Digital Currencies
Ivy’s platform now allows cryptocurrency firms, payment service providers (PSPs), and e-commerce merchants to execute instant bank payments, settle funds into local收款 accounts across Europe in multiple currencies, and convert those funds directly into stablecoins—without friction or delays. By embedding native support for USDC (the second-largest dollar-pegged stablecoin) and EURC (the leading euro-backed digital currency), Ivy is streamlining the flow of value across traditional banking rails and blockchain ecosystems.
This development reflects a growing trend: the convergence of regulated financial infrastructure with blockchain-based settlement mechanisms. As stablecoins gain traction not just as trading assets but as functional tools for commerce, platforms like Ivy are building the bridges that allow businesses to leverage their efficiency, transparency, and 24/7 availability.
Ferdinand Dabitz, CEO and co-founder of Ivy, emphasized the strategic importance of this integration:
“Real-time payment systems and stablecoins belong together. Hundreds of merchants are already building on Ivy’s global API for instant bank payments. With native support for Circle’s USDC and EURC, our clients can now mint and burn USDC instantly—directly from fiat currency—via a settlement layer that operates 24/7/365.”
Why Stablecoins Matter in Modern Payments
Stablecoins have evolved from niche crypto instruments into vital components of the digital economy. Pegged to stable assets like the U.S. dollar or euro, they offer the speed and accessibility of cryptocurrencies without the volatility associated with Bitcoin or Ethereum. Their use cases now extend far beyond speculative trading to include cross-border remittances, payroll disbursements, supply chain financing, and real-time merchant settlements.
Circle, issuer of USDC and EURC, has been at the forefront of institutionalizing stablecoin usage. After completing its U.S. initial public offering (IPO) earlier in 2025, the company launched the Circle Payments Network (CPN) in April—a dedicated infrastructure aimed at powering global payments and remittances using stablecoins. Ivy’s integration with Circle’s ecosystem aligns perfectly with this vision, offering enterprises a compliant, efficient pathway to adopt digital dollar and digital euro solutions.
The synergy between real-time banking networks—such as SEPA Instant in Europe—and stablecoin rails creates a powerful hybrid model. Businesses can receive euros or dollars via instant bank transfers, immediately convert them into USDC or EURC, and then deploy those tokens across blockchain applications, DeFi protocols, or international payment corridors—all within seconds.
Key Benefits for Enterprises
1. Instant Settlement Across Borders
By combining instant bank transfers with on-chain settlement, Ivy reduces settlement times from days to seconds. This is particularly impactful for cross-border e-commerce, where delays in fund availability can hinder cash flow and customer experience.
2. Multi-Currency Support with Auto-Conversion
Merchants operating in multiple European markets can receive local currency payments and automatically convert them into USDC or EURC through Ivy’s API. This eliminates exposure to FX volatility while maintaining liquidity in digital form.
3. Regulatory Compliance and Transparency
Both USDC and EURC are issued under strict regulatory oversight, with regular attestations and transparent reserve holdings. When combined with Ivy’s KYC-enriched payment infrastructure, businesses gain confidence in compliance and auditability.
4. Always-On Liquidity Layer
Unlike traditional banking systems that operate during business hours, blockchain networks run continuously. With Ivy’s integration, companies can settle transactions at any time—ideal for global operations spanning multiple time zones.
👉 Explore how businesses are leveraging stablecoins for faster international payouts.
The Future of Embedded Finance and Programmable Money
As financial services become increasingly embedded into software platforms, the demand for programmable money rises. Stablecoins like USDC and EURC are inherently programmable—enabling smart contracts, automated payments, and conditional disbursements. Ivy’s API-driven approach empowers developers to embed these capabilities directly into their applications.
For example:
- An e-commerce platform could automatically convert daily sales into USDC and allocate portions to suppliers, taxes, and savings—all via smart contracts.
- A remittance app could allow users to send euros via instant bank transfer, convert them to EURC, and have recipients withdraw in local currency anywhere in the world with minimal fees.
This level of automation was previously unattainable with legacy banking systems. Now, with fintechs like Ivy integrating regulated stablecoins, it’s becoming a reality.
Frequently Asked Questions (FAQ)
Q: What are USDC and EURC?
A: USDC is a U.S. dollar-pegged stablecoin issued by Circle, fully backed by reserves and subject to regular audits. EURC is its euro-denominated counterpart, designed for seamless digital euro transactions across blockchains.
Q: How does Ivy enable instant conversion between fiat and stablecoins?
A: Through its API, Ivy connects directly to real-time payment networks (like SEPA Instant) and links them to Circle’s issuance and redemption system. This allows users to deposit fiat and instantly mint USDC/EURC—or burn tokens to withdraw fiat—without intermediaries.
Q: Is this service available across all of Europe?
A: Yes, Ivy supports local settlement in multiple European currencies via instant banking rails. Businesses in SEPA countries can leverage the full functionality today, with expansion plans underway for non-SEPA regions.
Q: Are there regulatory concerns with using stablecoins for payments?
A: USDC and EURC are among the most regulated stablecoins globally. They comply with financial standards in the U.S. and EU, including anti-money laundering (AML) and know-your-customer (KYC) requirements—making them suitable for enterprise use.
Q: Can small businesses benefit from this integration?
A: Absolutely. While initially targeting PSPs and crypto firms, the infrastructure is scalable. As APIs become more accessible, SMEs will be able to integrate instant fiat-to-stablecoin conversion into their payment stacks easily.
Q: What makes Ivy different from other payment gateways?
A: Unlike traditional gateways that only handle card or bank transfers, Ivy bridges traditional finance with blockchain-native assets. Its focus on real-time settlement into programmable money gives it a unique edge in the emerging digital economy.
👉 See how developers are building next-gen payment apps with integrated stablecoin support.
Final Thoughts
The integration of Circle’s USDC and EURC into Ivy’s real-time payment network marks a pivotal step toward a unified financial system—one where fiat and digital currencies coexist seamlessly. As businesses demand faster, cheaper, and more flexible payment solutions, the fusion of regulated stablecoins with instant banking infrastructure offers a compelling answer.
With core keywords such as instant payments, stablecoin integration, USDC, EURC, real-time settlement, fintech innovation, Circle Payments Network, and Ivy API driving both functionality and search relevance, this development is poised to influence how enterprises manage liquidity in the years ahead.
As adoption grows, expect more fintechs to follow Ivy’s lead—turning stablecoins from speculative assets into everyday tools for global commerce.