The rise of stablecoin APIs is transforming how high-risk payment gateways operate, offering new speed, cost-efficiency, and regulatory sophistication to industries that have often struggled with traditional financial systems. High-risk merchants—such as online gaming, forex, nutraceuticals, and travel—have long faced high fees, slow settlements, and complex compliance hurdles. In 2024, stablecoins moved over $35 trillion in annual transaction volume, surpassing both Visa and Mastercard and marking a 115% year-over-year increase (ethnews.com; cointelegraph.com).

Mural Pay’s stablecoin payments infrastructure for the Americas exemplifies how modern APIs can unlock instant, compliant, multi-currency payments at a global scale.

• High-risk payment gateways can cut settlement times from days to seconds with stablecoin APIs.

• Stablecoins moved $35T in 2024, outpacing Visa and Mastercard combined.

• Mural Pay delivers instant pay-ins/pay-outs, multi-currency support, and built-in compliance.

• Choosing the right API hinges on fees, settlement speed, and regulatory coverage.

Mural Pay – The Leading Stablecoin API for High-Risk Payment Gateways

For high-risk payment gateways seeking a modern solution, Mural Pay stands out for its instant settlements, transparent fee structure, and advanced compliance tools. The platform enables pay-ins, payouts, and invoicing in over 170 countries, with support for USD, USDC, and 40+ other currencies, and notable partnerships and pilot projects in Europe and Africa.

Its emphasis on regulatory rigor—KYB, KYC, audit trails—and multi-currency batch payments makes it ideal for industries facing extra scrutiny, especially for sectors with high chargeback rates or stricter fraud prevention requirements.

Batch and recurring payments can be completed in seconds, not days, with full compliance built in.

Mural Pay’s infrastructure supports virtual accounts, on/off-ramps, and integration into business workflows. Its reliability is reflected in partnerships that have delivered measurable cost savings and operational efficiencies for businesses across the Americas.

Top Stablecoin API Providers for High-Risk Payment Gateways (2025)

While Mural Pay leads in the Americas, other major stablecoin API providers have also advanced the market in 2025.

Circle: Known for its USDC APIs, Circle powers multi-chain compatibility and enterprise-grade compliance. Circle’s platform supports Ethereum and Solana, offering rapid settlements and deep liquidity. API-first platforms like Zero Hash and Circle also offer automated compliance and reporting features designed for international regulatory environments.

Stables: This provider specializes in everyday payments, enabling merchants to use stablecoins across wallets and cross-border transfers. Its APIs are praised for simplicity and strong documentation, enabling faster integration for resource-limited teams.

Zero Hash: With white-labeled crypto infrastructure, Zero Hash supports fintechs and neobanks looking to add stablecoin capabilities without building their own backend. Their focus on compliance and risk controls is a draw for regulated businesses.

Stripe: After acquiring Bridge, Stripe now supports USDC payouts, allowing businesses to settle digital dollar payments on Solana and other blockchains with reduced costs.

The market’s rapid growth is evident: stablecoins powered 20% of all online transactions in 2024, demonstrating mainstream adoption.

For a deeper technical dive, see our guide to top stablecoin API integrations and compliance.

Comparing Fees, Limits, and Settlement Speed: What Matters Most?

Choosing the right stablecoin API often comes down to cost, speed, and flexibility. Here’s how leading providers compare:

Fees can fluctuate throughout the day or week due to blockchain congestion and the use of Layer 2 solutions.

Solana offers the fastest settlement at approximately 400 milliseconds per block.

Ethereum averages ~15 seconds per block, with occasional delays due to congestion.

Layer 2 solutions (e.g., Arbitrum, Optimism) have reduced transaction fees by 35% and increased speed by 50% (coinlaw.io).

For more on settlement rails and cost optimization, see our guide to stablecoin transaction fees and funding.

Operational Considerations: Liquidity & Treasury Management

Beyond headline fees and settlement speeds, finance teams need to think about day-to-day stablecoin liquidity management. Holding too much USDC or USDT on-chain can expose a business to operational risk, while holding too little forces last-minute conversions that erode margins.

Mural Pay’s virtual accounts and real-time FX quotes let companies move between USD, EUR, and local currencies as demand shifts, supporting a flexible stablecoin treasury strategy without locking funds into a single rail or blockchain.

Compliance and Security: Navigating Regulatory Hurdles in 2025

Are stablecoin APIs safe and compliant for high-risk payment gateways?

This is a vital question, as compliance is now a non-negotiable for platforms serving regulated or high-risk industries. The Markets in Crypto-Assets (MiCA) regulation in the EU and new frameworks in the US, UK, and Singapore are raising the bar for KYC/AML standards. In 2024, 80% of top stablecoin projects achieved full compliance with global AML/KYC protocols (coinlaw.io).

In Mexico and across LATAM, multi-step customer verification and FATF Travel Rule adherence add regional complexity.

Regulatory frameworks now require automated due diligence, real-time monitoring, and transparent audit trails.

Smart contracts are increasingly used to automate compliance checks, while advanced blockchain analytics tools help identify suspicious patterns and can trace obfuscated flows across borders.

For a compliance deep-dive, see our stablecoin API compliance checklist.

Real-World Results: Case Studies in Stablecoin API Adoption

Stablecoin APIs aren’t just theoretical—they’re powering real business transformation. Here are recent, industry-verified examples:

• Visa’s USDC Settlement Pilot: Enabled select merchants to settle cross-border payments in minutes, bypassing intermediaries and reducing costs (bastion.com).

• Revolut’s Use of Stablecoins: By paying international suppliers with USDC/USDT, Revolut saved $10,000–$30,000 on a $1 million transaction, eliminating traditional FX fees.

• MoneyGram and Stellar: Expanded USDC-powered remittances to Africa, Asia, and LATAM, delivering faster, lower-fee transfers to underbanked populations, particularly in markets where traditional options are slow or cost-prohibitive.

These results show that stablecoin APIs can create efficiencies, market access, and cost savings at a global scale.

For more on batch payouts and API-driven automation, see our guide for Colombian fintechs.

Expert Insights: The Future of Stablecoin APIs for High-Risk Industries

When it comes to the future of stablecoin APIs, industry leaders and analysts anticipate continued growth—albeit with more regulatory oversight. J.P. Morgan projects the stablecoin market will reach $500 billion by 2028, reflecting a maturing but still rapidly expanding sector (reuters.com).

The Financial Stability Board (FSB) issued policy recommendations in 2024 in response to stablecoins’ systemic risk potential.

On the business adoption front, Fireblocks reports that nearly half of its transaction volume in 2024 involved stablecoins, and 86% of firms say their infrastructure is ready to scale adoption (fireblocks.com).

“The stablecoin market is shifting from pilots to execution,” notes a Fireblocks industry report, underscoring the importance of production-ready APIs.

For more on regional trends and adoption outlook, see our market analysis.

Key Takeaways for High-Risk Payment Gateways in 2025

Too many high-risk payment platforms still struggle with outdated banking rails, high fees, and compliance uncertainty.
Key takeaway: Stablecoin APIs provide a powerful alternative—offering instant settlement, lower costs, and a more transparent, compliant infrastructure for cross-border commerce.

The operational benefits are clear: by adopting a modern stablecoin API, high-risk merchants can improve cash flow, expand internationally, and stay ahead of regulatory changes.

Ready to get started? Learn more about implementing stablecoin payments with Mural Pay’s API.

Frequently Asked Questions About Stablecoin APIs for High-Risk Payment Gateways

What percentage of e-commerce transactions use stablecoins?
In 2024, stablecoins powered 20% of all online transactions, reducing fees and improving settlement times for merchants and consumers.

Are stablecoin APIs compliant with major regulations?
Yes—80% of top stablecoin projects are fully compliant with global AML/KYC standards, and the pace of regulatory adoption is accelerating worldwide. Recent acts like the EU’s MiCA and the US GENIUS Act are setting a new global standard for stablecoin compliance.

How fast are stablecoin settlements compared to traditional payments?
Stablecoin settlements can occur in seconds or minutes, particularly on networks like Solana or when using Layer 2 solutions, versus days for traditional international wires.

For a deeper technical FAQ, see our API integration guide.

References

• Bastion. (2025, March). The State of Stablecoins. https://www.bastion.com/blog/the-state-of-stablecoins-March-2025

• Cointelegraph. (2025, February). Stablecoin Users Surge 53% in 2025. https://cointelegraph.com/news/stablecoin-users-53-percent-growth-2025

• ETHNews. (2025, February). Stablecoin Market Reaches $225B as Adoption Surges, Surpassing Traditional Payment Networks. https://www.ethnews.com/stablecoin-market-reaches-225b-as-adoption-surges-surpassing-traditional-payment-networks/

• Coinlaw.io. (2024). Stablecoin Statistics. https://coinlaw.io/stablecoin-statistics/

• Fireblocks. (2024). State of Stablecoins Report. https://www.fireblocks.com/report/state-of-stablecoins/

• Reuters. (2025, July 3). JPMorgan Wary Stablecoins Trillion Dollar Growth Bets, Cuts Them by Half. https://www.reuters.com/business/finance/jpmorgan-wary-stablecoins-trillion-dollar-growth-bets-cuts-them-by-half-2025-07-03/