# Why merchants use stablecoin settlement

Canonical: https://apa.app/resources/guides/stablecoin-settlement
Category: Settlement

Why merchants often choose USDC or another stablecoin as the asset they receive from crypto payments.

Many merchants want to accept crypto demand without holding volatile crypto assets. Stablecoin settlement is the bridge between crypto checkout and cleaner accounting.

## Stablecoins reduce price noise

If a merchant prices a product in dollars, receiving a dollar-denominated stablecoin can be easier than receiving ETH, SOL or BTC. It keeps the payment closer to the business's unit of account.

In Apa, the merchant can set a payout wallet such as USDC on Solana or USDC on Base.

## Customers can still pay with other assets

Stablecoin settlement does not mean customers can only pay stablecoins. When routing is enabled, customers can pay other supported assets and Apa can route into the merchant's payout asset when a safe route exists.

## Network choice still matters

USDC on Solana and USDC on Base are not the same payment rail. The asset is similar, but the network, wallet address format, fees and ecosystem differ. Checkout should always show both asset and network.

## FAQ

### Can I receive only stablecoins?

Yes. Set your payout wallet to a supported stablecoin asset and network.

### Can buyers pay non-stable assets?

Yes, if routed payments are enabled and a safe route is available.