# Stablecoin payments for merchants

Canonical: https://apa.app/solutions/stablecoin-payments

Accept crypto while receiving a stablecoin payout asset such as USDC or USDT in the wallet you control.

## Product fit

### Keep payment value closer to your business currency

Many merchants price products and services in dollars, euros or dirhams. Stablecoin settlement lets the business accept crypto demand without holding a volatile asset after checkout.

- Set a payout wallet such as USDC on Solana, Base, Ethereum, Polygon or Arbitrum
- Let customers pay supported assets from the Apa Safe List
- Use direct payments at 0% when the customer pays on your payout network

### Stablecoins make reconciliation simpler

A stablecoin receive asset helps finance teams map crypto payments back to the display amount, order id, webhook event and payout wallet without introducing a second volatile treasury workflow.

- Order id and metadata echoed on payments and webhooks
- Expected output and actual output visible after settlement
- Signed webhooks for backend order state

## Key capabilities

- USDC and USDT receive options: Use supported stablecoin payout wallets instead of receiving every asset a customer may pay.
- Non-custodial by default: Stablecoins settle to your payout wallet; Apa does not hold a merchant stablecoin balance.
- Works for links and API checkout: Single sellers can use payment links, while stores can create API checkout sessions.

## FAQ

### Can Apa help me receive stablecoins only?

Yes. Configure a supported stablecoin payout wallet. Customers can still pay with supported assets, and routed payments convert when a safe route exists.

### Does Apa custody stablecoin balances?

No. Stablecoin payments settle to the merchant payout wallet.

### Are stablecoin payments always free?

Payments that match your payout asset and network are direct and free. Asset or network conversions use the flat routed fee.