Payments across borders still take days. Banks and treasury teams still have problems like settlements that take too long, partners that aren’t all in one place, and money that is stuck in transit. Margins are still hurt by reconciliation. At the same time, customers and employees expect payments to be sent quickly, safely, and across continents.
Stablecoin development solutions have already shown that they can fix these problems on a large scale. Stablecoins move trillions of dollars every year. Banks, payment networks, and fintechs are using them in real settlement flows. Governments are putting in place rules to help them.
But it’s not easy to issue and manage a stablecoin inside the company. It needs blockchain infrastructure, reserve management, compliance controls, audits, and security for operations.
This is where Stablecoin as a Service (SCaaS) comes in. SCaaS allows enterprises to use stablecoins as a payment and settlement layer without building everything from scratch. It turns stablecoins into usable financial infrastructure, not a crypto experiment. Let’s see how this works and why companies like Coinbase integrated SCaaS into their platforms.
Stablecoin as a Service (SCaaS) is an enterprise-ready infrastructure model. This architecture allows businesses to issue, manage, and integrate stablecoins through a compliant, secure backend.
Instead of becoming a blockchain development company or a regulated financial institution overnight, enterprises use a Stablecoin as a Service platform that already supports:
In simple terms, SCaaS is the operating system behind enterprise stablecoins.
It is often described as the “AWS for stablecoins” because companies plug into existing infrastructure instead of building everything themselves. For B2B use cases, this approach is becoming the preferred path.
Enterprises are not adopting stablecoins because they are trendy. They are doing it because traditional payment rails are increasingly misaligned with global business needs.
Mostly, cross-border payments are dependent on the banking network for secure transactions. This method is slow and costly, as taxes are involved, and opaque, as you can’t see the transfer progress. You will be wrong if you think this only happens at a low level. Even fro well established companies, face this. That’s where stablecoins for b2b payments are gaining traction today.
Between 2024 and 2026, major regions introduced or finalized stablecoin frameworks:
This shift has made regulated stablecoin platforms viable for enterprise use.
Using public stablecoins alone limits branding, governance, and integration flexibility. Building in-house is slow and risky.
SCaaS offers a middle ground:
This is where SCaaS becomes practical. The top companies, like Coinbase, and startups like Agora and Bastin, use stablecoins for cross-border payments and give customers a seamless experience with transactions. Not only have Mastercard and Visa partnered with companies like Circle for international transactions. Let’s see more use cases below.
Stablecoin transactions settle in minutes, not days. For enterprises, this means:
In high-volume stablecoin payments, even small time savings translate into meaningful financial impact. This is not just applicable to some banking companies, but also to high-end real estate requirements.
Read Also: Stablecoin Development Transforming Real Estate Transactions
Traditional payment systems require:
A Stablecoin payments solution simplifies this into a single, programmable settlement layer, reducing back-office overhead.
A regulated stablecoin platform includes:
This removes the need for enterprises to design compliance frameworks from scratch while still meeting regulatory expectations.
With enterprise stablecoin services, companies can issue branded stablecoins for their ecosystem:
Liquidity stays within the system, improving efficiency and trust.
Stablecoins are programmable money. Through smart contracts, enterprises can:
This is especially powerful for platforms handling recurring B2B transactions.
Stablecoins allow direct value transfer between counterparties. Fewer intermediaries mean:
For enterprises operating across regions, this is a structural advantage.
Understanding what stablecoins are and how Stablecoin as a Service works helps decision-makers evaluate adoption realistically. Below is a simplified enterprise flow.
Funds are deposited with regulated custodians or trust partners. These reserves back the stablecoin 1:1, ensuring stability and trust.
The SCaaS provider mints stablecoins based on deposited reserves. Smart contracts are audited, controlled, and governed under predefined rules.
Stablecoins move across wallets, applications, or platforms instantly. Enterprises can integrate transfers directly into their systems using APIs.
This enables B2B stablecoin payments without banking delays.
Every transaction is monitored for:
This ensures compliance without interrupting operations.
Stablecoins can be redeemed for fiat on demand, maintaining liquidity and balance sheet clarity. The enterprise never needs to manage blockchain complexity directly.
Building a stablecoin platform is not just a technical project. It is a financial infrastructure decision that impacts compliance, security, and long-term scalability.
SoluLab is a stablecoin development company designed specifically for enterprise use cases.
With our 250+ experts’ support, we first analyse your goals, requirements,s and plan the development lifecycle. You can also check our stablecoin development services.
For more details on Stablecoin development services, contact our experts today!
Most SCaaS platforms take 8–16 weeks, depending on compliance needs, blockchain choice, integrations, and customization. Using existing frameworks speeds things up significantly.
Costs usually range from $10,000, based on features, compliance scope, regions covered, and integrations like wallets, KYC, and fiat on/off-ramps, and any customizations increase the cost.
You can directly book a call with SoluLab through the form at the end of the service page. Once you fill the form, you will receive a response within 24 to 72 hours based on your region and timings
Yes, when built correctly. SCaaS platforms are designed to support KYC, AML, audits, and regional regulations like MiCA, Hong Kong rules, and other licensed frameworks.
Not at all. SCaaS abstracts blockchain complexity, letting enterprises use stablecoins like any modern payment infrastructure without managing wallets or protocols internally.
