Discover how stablecoin wallets are bridging traditional finance and blockchain, enabling fast, secure, and accessible global payments using digital dollars.

 have cushioned crypto users from market volatility. Now, stablecoin wallets are providing a new utility for stablecoins by facilitating the use of these blockchain-based products to make traditional payments.

With top names in the financial markets such as Fidelity Investments working on their own stablecoins, it's evident that these dollar-backed digital assets are increasingly replacing fiat and traditional payments.

 (WLD), the blockchain formerly known as Worldcoin, announced that it would integrate its wallets with Visa to open up the use of stablecoins en masse. Also, global payment giant BVNK has launched embedded wallets that include stablecoins, among other major currencies, to make seamless cross-border payments.

Let’s learn more about stablecoin wallets, and how they could change the way crypto moves around the world.

Stablecoins have provided users with the security and speed of 

 without exposing them to the volatility often faced by cryptocurrencies such as 

. However, their utility has been limited due to one major challenge: usability.

While stablecoins have continued to change the blockchain landscape, the real innovation lies in stablecoin wallets. These wallets — specifically, those that integrate fiat and traditional payment systems — are poised to become the critical bridge between 

 (DeFi) and traditional finance (TradFi).

Stablecoin wallets provide an essential missing link, allowing users to interact with both financial worlds seamlessly without needing to switch platforms or understand complex crypto mechanics. With stablecoin wallets, you can spend, send and receive stablecoins as easily as fiat currency — both online and in the real world.

Several innovative players are pushing the boundaries of what's possible by building wallets that blend DeFi technology with TradFi usability. Let's take a closer look at three emerging stablecoin wallets and platforms that are redefining what's possible when blockchain intersects with the financial world.

World Network and Visa’s stablecoin wallet vision

Visa has been one of the most forward-thinking traditional financial players in the crypto space. Its ongoing work to bring stablecoins into its payment ecosystem marks a bold step toward the convergence of decentralized and traditional finance.

Visa has recently partnered with World Network, a blockchain identity protocol whose token,WLD, powers transactions and governance within the World Network ecosystem. Together, the two companies are exploring how World Network's self-custody crypto wallet can integrate stablecoins into day-to-day transactions across Visa's vast global network. The vision is to allow users to store stablecoins in a stablecoin wallet, and spend them anywhere Visa is accepted. This would dramatically reduce the friction between holding digital assets and using them in the real world.

What makes Visa’s initiative significant is the infrastructure it already possesses. By embedding stablecoin capabilities directly into its existing systems, Visa isn’t just experimenting — it’s laying the groundwork for large-scale adoption. Merchants would be able to receive fiat in local currencies while users spend digital dollars, with real-time conversions and settlements happening behind the scenes.

This development would not only enhance convenience, but also create financial access to users in countries with unstable currencies or limited banking infrastructure. From a technical perspective, leveraging blockchain for near-instant settlement and programmable payments represents a leap forward in efficiency.

While Visa is focused on consumers, BVNK is tackling the enterprise side of the equation. It provides embedded wallet infrastructure that allows businesses to integrate stablecoin payments directly into their platforms.

For example, an e-commerce platform can offer its customers the ability to pay with USDC without having to develop its own wallet or crypto solution from scratch. BVNK handles the back end — wallets, conversions and compliance — while the front-end experience remains intuitive and familiar to end users.

This kind of abstraction is key to adoption. Most users don’t want to learn how blockchains work — they just want fast, low-cost, cross-border payments that “feel” like using a digital wallet or banking app. BVNK delivers this experience by allowing companies to offer blockchain-powered financial tools with the polish and UX of mainstream fintech platforms.

Its model also opens the door for new financial services — such as automated payroll in stablecoins, global supplier payments or on-chain settlement of business transactions — that are faster and more transparent than legacy methods.

 is a consumer-focused wallet that exemplifies the future of stablecoin usability. Stables allows users to store and spend various stablecoins — such as USDC, USDT, 

 — with a Mastercard debit card. connecting the benefits of digital currencies with the convenience of traditional spending.

The Stables app is designed for real-world application. Users can make everyday transactions, such as receiving payments, paying bills and even making in-store or online purchases, with their stablecoin balances. Behind the scenes, conversions from stablecoin to fiat currency happen in real time, so users don’t need to worry about whether the merchant accepts crypto.

Stables is particularly focused on making stablecoins practical for people in markets where banking systems are slow, expensive or unreliable. In these regions, having access to a dollar-pegged digital currency — and being able to spend it freely — is transformative.

By eliminating the complexity of crypto wallets and integrating seamlessly with existing payment systems, Stables is closing the gap between what stablecoins are capable of and how people actually use money day-to-day.

Stablecoin wallets allow DeFi and TradFi to coexist so that users can enjoy the stability and familiarity of traditional currencies alongside the innovative features of cryptocurrencies.

These wallets provide several benefits, described below.

Although DeFi offers various financial services without intermediaries, its complexity can deter newcomers from exploring its benefits. Stablecoin wallets simplify this landscape by providing user-friendly interfaces that make DeFi services more approachable. Users can engage in activities like lending, borrowing and 

 without needing extensive technical knowledge, thereby gaining access to innovative financial services.​

Traditional financial transactions — especially cross-border payments — often involve multiple intermediaries, leading to high fees and extended processing times. In contrast, stablecoin wallets leverage blockchain technology to facilitate direct 

 transactions, effectively bypassing traditional banking intermediaries. This significantly lowers transaction costs, making domestic and international payments more affordable.

Conventional international money transfers can take several days to process. Stablecoin wallets that operate via blockchain networks enable nearly instantaneous cross-border transactions. This speed is particularly beneficial for remittances and global business operations, for which timely payments are crucial.

Security is a paramount concern in financial transactions. Stablecoin wallets utilize blockchain technology that offers inherent security features, such as encryption and decentralization. Each transaction is recorded on a transparent and immutable ledger, reducing the risk of fraud and unauthorized alterations. Users can have greater confidence in the safety of their digital assets, knowing that robust security measures are protecting their funds.​

Much of the world’s population remains unbanked or underbanked, lacking access to essential financial services. Stablecoin wallets can bridge this gap by providing a digital means of storing and transferring value without the need for a traditional bank account. In this way, individuals in regions with limited banking infrastructure can participate in the global economy, send and receive payments and access financial services directly from their mobile devices. This inclusion fosters economic empowerment and creates new opportunities for underserved populations.

Stablecoin wallets represent a significant advancement in the fusion of digital and traditional finance. By offering seamless integration with existing financial systems, reducing costs, enhancing transaction speeds and providing robust security, they address many of the limitations inherent in conventional banking. Moreover, their role in promoting financial inclusion underscores their potential to transform the global financial landscape, making economic participation more accessible to all.

Beginner

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The future of stablecoin wallets: Bridging traditional finance and blockchain

Bybit’s USDT Fixed Savings plan is a short-term investment product under Bybit Earn that allows users to stake USDT for a fixed duration. Learn more here.

 can feel like the safest play. But what if your stablecoins could do more than just sit in your wallet?

Bybit’s USDT Fixed Savings plans give you a way to earn reliable, passive income — without compromising on safety. With guaranteed returns, fixed terms and full principal protection, it’s a low-risk way to make your USDT work for you, even while you sleep.

In this article, we’ll walk you through how Bybit’s USDT Fixed Savings works, why it’s a safe choice and how you can start earning in just a few clicks.

What is Bybit’s USDT Fixed Savings plan?

 is a short-term investment product under Bybit Earn that allows users to stake USDT for a fixed duration in exchange for guaranteed APR, with their principal protected.

Think of it like a crypto version of a fixed deposit account — simple, secure and predictable. You choose a term (e.g., three or seven days), lock up your USDT and earn interest at a guaranteed rate. Once the term ends, your original USDT and the earned interest are returned to your account — no hidden risks or surprise deductions.

This plan is designed for users who value stability and want peace of mind while earning on their stablecoin holdings.

One of the biggest concerns for users when it comes to earning products is: “Is my money safe?”

With Bybit USDT Fixed Savings, the answer is yes.

There’s a good reason that more and more users are turning to Bybit’s Fixed-Term Savings options. In times of market uncertainty or sideways price action, putting stablecoins to work can be a great way to stay productive without needing to chase risky trades.

Bybit guarantees principal protection in token amount. This means the USDT you stake is not subject to market fluctuations or volatility during the savings term. As long as you hold your position until the plan matures, you’ll receive 100% of your staked USDT back, along with your interest earnings.

There are no price risks like you’d face with volatile crypto assets, and no exposure to third-party lending platforms. Your funds are managed directly within Bybit’s trusted Earn ecosystem.

It’s a great option for risk-averse users, crypto beginners or anyone looking to earn with a clear, transparent product backed by a leading global exchange.

How to earn passive income with Bybit’s USDT Fixed Savings plans

If you’re already using Bybit and have USDT ready, you can check out the available USDT Fixed Savings plans, which are perfect for earning stable rewards while you wait for your next move. Here’s how you can get started:

 (using any supported method). To do so, click on the 

button on the upper-right corner of the page.

: Once you have USDT in your Bybit account, navigate to the 

: Check out the available USDT Fixed Savings plans and click on the corresponding 

Input the amount of USDT you would like to stake, verify your order details and click 

Congratulations! You’ve successfully staked your USDT in a USDT Fixed Savings plan. You can proceed to watch your earnings grow, and will receive your rewards after the term is up.

Passive income in crypto doesn’t have to come with high risk. Bybit’s USDT Fixed Savings gives you a secure, reliable, and fully transparent way to make the most of your stablecoins — while keeping your principal protected every step of the way.

With just a few clicks, you can start earning fixed interest on your USDT and enjoy peace of mind knowing your funds are safe.

Ready to earn while doing nothing? Head toBybit Savings and start your USDT Fixed Savings journey today!

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How to earn passive income with Bybit’s USDT Fixed Savings

Learn more about TOKYO BEAST, the web3 game developed by Japan’s leading mobile game company, and how to participate in the TOKYO BEAST Bybit Web3 airdrop event.

Blockchain gaming has come a long way since its early days of point-and-click, browser-based games. The current generation of web3 games delivers experiences on par with traditional gaming in both gameplay and narrative, offering players a genuine alternative to Web 2.0 games. 

 is a web3 game developed by Japan’s leading mobile game company. The blockchain-based game is set in 2124, a time when Androids with free will, known as “Replicants,” have become commonplace. They support the very foundation of the social economy, and humans often live comfortably as owners of these Replicants. Among these replicants are the “BEASTs,” conscious robots who have risen to prominence through participation in the high-stakes “XENO-karate” tournament. 

As the game progresses, individual motivations come to light, as questions like “What are the ambitions of the BEASTs?” and “What is the untold story behind their creation?” are explored in this complex and intricate game. 

 is centered around strategic team composition and automated battles. Players assemble teams of four BEAST androids. The key to success lies in the thoughtful combination of the unique abilities of thousands of different BEAST types. This is further enhanced by “Mods,” which are in-game items used to boost the BEASTs' statistics. 

 feature allows players to actively participate alongside their chosen proxy BEASTs, climbing the ranks of the Xeno-karate circuit in order to become legendary champions. BEAST NFTs represent the primary form of digital ownership within the 

A distinctive gene-shuffle breeding system empowers NFT holders to create entirely new BEASTs, so that they may inherit unique traits and characteristics. This breeding mechanism brings strategic elements to the game, and contributes to the potential appreciation in value and rarity of the BEAST NFTs. 

To cater to both Web 2.0 and web3 audiences, the 

 ecosystem is structured around two core components: 

. BASE offers a web3-centric experience focused on investment and economic activities, utilizing the project's native TBZ token. TRIALS provides a more traditional Web 2.0-like gameplay experience in which players can purchase in-game currency (Jewels), engage in gacha to acquire BEASTs and Mods and participate in various battles or missions. 

This dual structure allows players to engage at their own comfort level, making it easier for Web 2.0 users to explore the crypto aspects of the game at their own pace.

How to participate in the TOKYO BEAST airdrop on Bybit

 with a reward of 625,000 TGT tokens! The event is currently ongoing, and will end on Mar 25, 2025, 7AM UTC. 

This event is designed to introduce new players to the game and encourage them to interact with 

 accounts. To participate in this competition, a user needs to complete the following tasks.

5. Retweet and like TOKYO BEAST posts on X

7. Trade any assets worth 5 USDT or more on BSC chain in Dex Pro.

New to Bybit Web3 DEX Pro? Bybit has published a handy guide to help you get started on the platform. You can access it 

That’s it! You now have the chance to win a share of 625,000 TGT tokens. Please note that wallet addresses with a zero balance are not eligible for the airdrop. Airdrop distribution will take place within one month after the event has ended.

 is one of the most anticipated web3 games of this current season. Bybit’s partnership with this game provides Bybit users with an easy way to participate in this upcoming project and win rewards. 

tokyo beast.png

What is TOKYO BEAST — and how to complete tasks for the airdrop

Lens, now live on mainnet, offers a complete platform for building SocialFi apps with fast, scalable transactions and low-cost fees using the GHO stablecoin.

Daily top performer — Nillion Network (NIL)

The S&P 500 futures fell 4%, extending last week’s 9.1% drop, as tariff tensions and global retaliation rattled markets. Gold slips to $2,985 as investors raise cash amid a stock selloff, but safe-haven demand may limit further downside. CoinDesk Indices, which tracks the broader crypto market, dropped 8.72% in the past 24 hours, Bitcoin rose 0.10%, while Ether dropped 0.29%. Trade these markets and more with up to 500x leverage on Bybit MT5 using this 

Today's top performer is NIL, up 6.0%, following the launch of Nillion's Secret Vault, which empowers secure AI collaboration for sensitive data.

Nillion (NIL), founded in 2021, enables secure, decentralized data processing using cryptographic methods like blind computation, protecting privacy without exposing raw data—ideal for AI, DeFi, and healthcare. Nillion has 

 its Secret Vault, enabling AI agents to securely store and access sensitive data using natural language. This integration allows agents to collaborate on tasks like medical diagnoses while ensuring privacy and confidentiality, making it ideal for sectors such as healthcare and finance.

Check out the latest prices, charts, and data of 

 on mainnet, offers a complete platform for building SocialFi apps with fast, scalable transactions and low-cost fees using the GHO stablecoin. It provides pre-built social primitives like accounts, feeds, and groups, along with Grove, a user-controlled, on-chain storage solution. The Developer Dashboard simplifies app creation, user onboarding, and integration, even without coding expertise. Lens supports a range of use cases, from social networks to DeFi applications, with built-in distribution, customizable features, and seamless integrations with DeFi tools like Uniswap and Chainlink. It emphasizes user-owned data and provides robust developer support for faster app launches.

BTC spot ETFs saw a net outflow of $190.2M for the week ending April 4, 2025, driven by $95.5M from GBTC and $94.7M from other ETFs. Despite the weekly loss, cumulative flows since inception remain positive at $36.2B, with $58.8B into non-GBTC ETFs offsetting $22.6B in GBTC outflows.

 for its DePIN project, aiming to improve on-demand physical goods production with decentralized technology. The network recently partnered with Sui and uses Walrus for decentralized storage. The 3DOS Points Program is live, allowing users to run a node for free and earn points, potentially leading to an airdrop. To participate, users need to register, verify their email, and connect to the network using a browser extension. Additional points can be earned through limited-time tasks.

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Lens launches mainnet with complete platform for building scalable socialfi apps

Bybit Learn

Altcoins

Crypto

Looking to make your first crypto investment, but feeling uncertain about the risks involved? Go for the middle ground that's PAX Gold, a hybrid between the physical and virtual.

 have gained popularity in recent years, physical commodities are still all the rage, with demand for gold reaching over 

 in 2021. Globally, the crypto market capitalization 

last year as well. Many investors now find themselves face-to-face with the question: Which option to choose — crypto or gold?

PAX Gold has found a way to provide a hybrid investment option of cryptocurrency linked directly to physical gold assets, hence appealing even to investors who are used to traditional options. This article will discuss PAX Gold (PAXG) and examine its viability as an investment.

 (PAXG) is an asset-backed token issued by 

. One PAXG token represents one fine troy ounce of a 

 stored in Brink's professional vault facilities.

Users receive PAXG tokens representing legal ownership rights to a part of the gold held by the Paxos Trust Company. Since the PAXG token represents real, physical gold, its value is tied directly to the real-time market value of gold.

The PAXG token gives its owners the benefit of real physical ownership of gold bars, with the mobility and speed of a digital asset. PAXG token holders can have fractional ownership of physical bars and convert their tokens to unallocated gold, allocated gold or fiat currency (and vice versa) on the Paxos platform. This conversion process is quick and efficient, reducing vulnerability to settlement risk.

A PAXG token holder can look up the serial number, value and physical characteristics of their vaulted gold at any time by simply entering their Ethereum wallet address into the 

protocol, and all transactions function according to the 

Every PAXG token represents one fine troy ounce of a gold bar stored in Brink's vaults. For smaller amounts of gold, physical retailers can help investors redeem their tokens. PAXG uses the same consensus protocol and blockchain features as Ethereum, including access to smart contracts.

Paxos checks and surveys each PAXG transaction via third–party analytical tools to investigate potential cases of fraud and money laundering. It also conducts regular smart contract audits, by which developers analyze code to identify bugs and vulnerabilities.

Paxos charges a small fee (around 0.02% of the amount of PAXG sent on the blockchain) for the creation and destruction of PAXG tokens. Users also pay on-chain fees for moving their tokens on Ethereum.

Ethereum is a blockchain platform technology that hosts applications, digital money and global payments. The Ethereum community has created a booming digital 

, with bold ways for creators to earn online and more.

An Ethereum smart contract follows a standard protocol for defining custom tokens on the 

. The contract must specifically declare basic token characteristics (name, symbol, decimal precision), track the total number of tokens, monitor the token balance for each Ethereum address, and allow address owners to transfer parts of their balances to other addresses.

Since PAX Gold follows the standard ERC20 protocol, many Ethereum-supported exchanges and wallet applications already have built-in support for viewing and transferring PAX Gold.

PAXG, built as an ERC20 token on Ethereum, can be moved or traded 24/7 from anywhere in the world. The low investment minimums enable anyone to own a part of an LBMA-accredited gold bar under 

Paxos is a custodian and trust company regulated by the New York state Department of Financial Services (

). The PAX Gold token is also fully backed by allocated gold held in the world's most secure vaults. Every month, a nationally ranking auditor ensures there is a matching supply of PAXG and underlying gold.

PAX Gold is the first and only gold token that can be redeemed for 

-accredited Good Delivery gold bullion bars. Smaller amounts can also be conveniently redeemed through a network of physical gold retailers. Paxos customers can always redeem PAXG for USD at current gold market prices. Institutional customers can also redeem their PAXG tokens for unallocated 

PAXG holders can easily redeem or convert PAXG to fiat, physical or unallocated gold through the Paxos platform. PAXG can be used wherever ERC20 tokens are supported. PAX Gold tokens can also be traded for other digital assets on popular cryptocurrency exchanges.

Paxos offers an extremely competitive fee structure (0.03–1% based on volume tiers) for the creation and redemption of PAXG tokens in the Paxos wallet. It also offers low on-chain Ethereum transaction fees (0.02%) and zero storage fees. As with other ERC20 tokens, nominal Ethereum gas fees are applicable for on-chain transactions.

As of this writing, the price of one PAXG is over 

, with a 24-hour trading volume of nearly 

, PAXG has a circulating supply of more than 300,000 PAXG and a market cap of approximately $611 million.

The Paxos Trust Company has a track record for successfully developing and maintaining 

 like Paxos Standard (PAX) and the U.S. dollar-backed Huobi stablecoin (

The Paxos Trust Company ensures that the circulating supply of PAXG is backed at a 1:1 ratio by physical gold bars held in secure Brink's vaults.

The low minimum order requirement of PAXG allows individuals to gain fractional ownership of LBMA-accredited London Good Delivery gold bars at retail investor-friendly prices.

PAXG holders can earn interest through crypto asset interest accounts offered by 

. Users can also access short– and medium–term loans secured against their PAXG tokens through Nexo's platform.

For most investors, physical gold bars are not quite affordable. As an alternative, PAXG offers access to fractional gold ownership at a minimum purchase of 0.01 PAXG (currently equivalent to $19).

, is fully regulated and licensed by NYDFS. The company maintains regular, publicly-available audits, so customer balances are cumulatively pegged 1:1 by the circulating supply of PAXG tokens.

PAXG tokens can only be purchased directly by verified users. Those who value their privacy might find PAXG's 

In compliance with regulatory responsibilities, the issuer should adhere to legal requirements when asked to freeze, unfreeze or wipe a user's account. However, since PAX Gold is fully decentralized, there is no real way to enforce legal requirements on its transactions.

PAX Gold is a valuable asset for investors and active traders (institutional or retail), as well as market participants both outside and inside the crypto asset ecosystem.

 enthusiasts are also attracted to PAX Gold investments for many of their shared properties. Both Bitcoin and PAX Gold are decentralized "outside" assets that are no one else's liability, and are not tied to any particular government. Both assets are also scarce and transcend universally recognized borders. Therefore, many investors who hold and trade Bitcoin are also likely to be interested in holding and trading gold, which is where PAX Gold comes in.

PAX Gold's similarities to Bitcoin also ensure an easy introduction to new asset classes within a familiar ecosystem. PAX Gold is listed globally on crypto asset exchanges, and trades directly against Bitcoin and other crypto assets.

PAX Gold is an attractive option for many people worldwide who are interested in physical gold investment, as it’s allocated to high-quality gold, doesn’t require any storage fees and is highly accessible. In addition, people who already hold physical gold may be interested in moving their holdings to PAX Gold.

Even though the price of gold may be volatile in the short term, it has historically maintained its value over the long term. For this reason, many investors use gold as a hedge against inflation.

The price of gold often increases in response to events that cause a decline in the value of traditional paper investments, such as bonds and stocks. Therefore, it’s important to consider a gold investment as a major part of a diversified investment portfolio. This strategy is effective in offsetting losses from more volatile assets during a downturn in the market.

PAXG offers investors the same value proposition of physical gold, in addition to the liquidity, security and divisibility of digital assets powered by blockchain technology.

Following are some ways in which users can purchase PAXG.

PAXG can be bought directly using USD or unallocated gold from the Paxos user interface.

On the main dashboard of the Paxos account page, click on the 

 tab on the top navigation bar. From there, you can convert USD into PAX Gold. PAXG tokens bought through Paxos' gold retailer are subject to 

If you have a Loco London unallocated gold account, you can transfer your holdings to Paxos. Paxos will convert the unallocated gold into physical allocated gold bars that are tokenized as PAXG. The resultant PAXG will then be credited to your Paxos account the next day. Any unallocated gold balance left in your account after the daily cut-off time (4:30 PM in the U.K.) will be converted to PAXG.

 and then placing a limit order to obtain PAX Gold tokens. Enter the targeted order price in USDT and select the amount of PAXG you want to acquire. If the PAXG price reaches the amount you’ve specified, your order will execute, and the tokens will be reflected in your account.

You can also purchase PAXG tokens from popular cryptocurrency exchanges using USD, EUR, BTC or ETH.

PAX Gold’s unique value proposition ensures that both traditional and modern investors can keep up with today’s trends without compromising on their personal goals and preferences. With real gold assets represented by crypto tokens, you can have physical and crypto assets in a single investment — the best of both worlds.

What Is PAX Gold (PAXG)?

Grab Up to 5,000 USDT in Rewards

Grab Up to 5,000 USDT in Rewards