1. Customer deposit (on-ramp)
A user brings money into the network through one of three primary channels:- Crypto transfer: Any major cryptocurrency is bridged or converted to USDT0 on Stable. USDT0 is the omnichain standard for USDT and the primary form factor on the network.
- Fiat on-ramp: Card, ACH, or local payment method converts fiat to USDT0, delivered directly into the user’s wallet.
- CEX withdrawal: The user withdraws USDT from a supporting centralized exchange, selecting Stable as the destination network. The exchange settles directly into the user’s wallet.
2. P2P / merchant transfer (on-chain pay-in)
Once funds are on Stable, the customer sends USDT directly to another user or merchant. Key properties of on-chain transfers:- Instant settlement: transfers settle on-chain immediately.
- Non-custodial: in the case of a non-custodial wallet, no PSP or intermediary ever touches user balances between source and destination.
- Single asset: because USDT is both the gas and settlement asset, there are no extra tokens in the flow and no hidden spreads.
- Zero-gas option: gas waivers allow end users to move funds without needing to manage blockchain fees. See Gas Waiver for details.
3. User / merchant balance
Merchants receive USDT in their Stable wallet under their own direct control. Funds are held on-chain under the user or merchant’s custody. These wallets can be created and managed by a payments provider on behalf of the user.4. Merchant withdrawal (off-ramp / payout)
When a merchant or user requests off-chain fiat settlement:- The provider initiates a conversion (USDT → fiat) via banking or payout rails.
- Funds are credited to the merchant’s chosen account.
Cross-asset trades
Stable also supports scenarios where the payer holds a non-USDT cryptocurrency.User trades into another cryptocurrency
A user may hold or trade into another cryptocurrency (e.g., BTC or ETH) through an integrated exchange, broker, or on-chain DEX. At the point of payment the system automatically converts the selected cryptocurrency into USDT, which is then transmitted to the merchant’s Stable wallet. All on-chain settlement continues to occur in USDT regardless of the user’s preferred asset.Merchant acceptance of cryptocurrency payments
Merchants do not need to accept or manage multiple cryptocurrencies directly. They are always credited with USDT in their Stable wallet, preserving a single settlement currency across the network. This design minimizes FX exposure for merchants and simplifies reconciliation and reporting.Provider’s role in conversion
The conversion logic (e.g., BTC → USDT) may be handled by an exchange partner, liquidity provider, or the payments provider’s own treasury. The merchant remains insulated from volatility or liquidity risks; they only ever receive USDT.Next recommended
USDT as gas
Understand how USDT0 serves as both native gas and ERC-20 balance on Stable.
Bridging to Stable
See how USDT0 moves onto Stable from other chains via OFT Mesh or Legacy Mesh.
Send your first USDT0
Submit a USDT0 transfer on testnet using standard EVM tooling.