Stripe announced that its public preview now allows eligible U.S. businesses to make stablecoin payouts directly to recipients’ external crypto wallets in more than 160 markets. The service supports two tokens – USDC and OUSD – and offers a fee structure of $0.50 plus 0.5% of the transfer amount, according to Stripe’s documentation.

Supported tokens and networks

USDC payouts can be routed through nine blockchain networks: Arbitrum, Avalanche C‑Chain, Base, Ethereum, Optimism, Polygon, Solana, Stellar and Tempo. OUSD is available on four chains – Base, Ethereum, Solana and Tempo. Stripe requires businesses to verify that a recipient’s wallet is compatible with both the chosen token and network before initiating a transfer.

How the payout workflow operates

Businesses must be based in the United States, though companies located in New York are excluded from the current preview and can only sign up for notification of future access. To send a payout, a firm adds the recipient’s email, name and wallet address in Stripe’s Dashboard, selects the stablecoin method, enters the amount and confirms the transaction. Funds can be drawn from either a USD or USDC balance held in the company’s Stripe financial account.

Pricing and comparison with traditional methods

Stripe lists the stablecoin payout fee at $0.50 plus 0.5% of the payout value. By contrast, a comparable SWIFT wire is priced at $25 per transfer. For a $1,000 payout, the stablecoin fee would be $5.50, offering a significant cost advantage for smaller amounts. The fee scales with transaction size, becoming equal to the SWIFT charge at roughly $4,900 before the percentage component exceeds the wire fee.

What to watch next

Industry observers will monitor whether Stripe extends the preview to New York firms and how quickly additional markets are added as the service matures. Adoption metrics for use cases such as loan disbursements, remittances and neobank cash‑outs will also indicate the broader impact of stablecoin payouts on cross‑border payment flows.