How to Integrate Stablecoin Payments: The Tech Stack Web2 Developers Need

Stablecoin payments are rapidly gaining traction as a powerful way for businesses to send and receive money across borders. If you're a Web2 founder or developer new to crypto, you might be curious (or even a bit wary) about what it takes to integrate stablecoin payments into your product. The good news is that you don’t need to reinvent the wheel or become a blockchain expert.

In this blog, we’ll break down the core tech stack components required for accepting and making payments with stablecoins in clear terms that anyone can understand. By the end, you should have a clear picture of the tools and infrastructure that power stablecoin transactions.
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Why Consider Integrating Stablecoins for Payments?

Before we get into the tech stack, it’s worth understanding why stablecoins are gaining traction for global payments. Unlike volatile cryptocurrencies, stablecoins are designed to maintain a steady value, making them far more practical for sending and receiving money. These values are typically pegged to a fiat currency like the US dollar, or another asset like gold.

Businesses should care because this isn’t just a theory anymore. Stablecoin adoption has taken off in the past few years, with real-world usage growing across a wide range of industries. Here’s a snapshot of how much stablecoins have grown in recent years:

If you’re new to the concept or want to explore the basics of stablecoins further, check out our in-depth guide to stablecoins.

The Core Components of the Tech Stack for Stablecoin Payments

Under the hood, stablecoin payments run on a full tech stack. As a Web2 developer, you’ll find some parts are similar to what you know (like APIs, user authentication), while others are unique to Web3 (wallets and blockchain networks). Here are the core components we’ll cover in this blog post:

1. Stablecoins: The digital currency being sent or received, which aims to mimic the value of a fiat currency, commodity, or other asset.
2. Blockchain networks: The rails that stablecoin transactions move across without intermediaries.
3. Wallet infrastructure: The tools and infrastructure users need to hold and manage stablecoins.
4. Payment processing: Services that handle sending, receiving, and confirming stablecoin transactions, including smart contracts or payment APIs.
5. Fiat on and off-ramps: The bridges that let users easily move between fiat and stablecoins.
6. Orchestration layers: The backend systems that track activity and coordinate onchain actions.
7. Compliance and regulatory frameworks: The safeguards and checks that ensure security and legal compliance around stablecoin payments.

Each of these layers plays a critical role in making stablecoin payments work smoothly. Below, we'll walk through each one, explain how it fits into the bigger picture, and help you understand what to consider when choosing tools for your stack.

Stablecoins: The Medium of Exchange

Stablecoins are the digital funds that your users will send or receive and act as the foundation of your payment flow. Think of them like USD or EUR, but in token form on a blockchain.

When evaluating which stablecoin(s) to support, consider factors like liquidity, issuer transparency, regulatory posture, and what blockchains the stablecoin is available on. Some are designed for compliance and trust, while others prioritize decentralization or accessibility across ecosystems.

Most stablecoins are designed to hold a 1:1 value with a fiat currency or asset. Some are backed by traditional reserves like cash and bonds, while others rely on crypto collateral or algorithmic mechanisms. You don’t need to know every detail, but it helps to understand how each one works and what risks might come with it.

A few of the most widely used stablecoins include:

• USDC: Issued by Circle, USDC is fully backed by cash and short-term U.S. treasuries, with regular attestations published for transparency. It’s often favored by businesses for its strong regulatory posture and consistent peg performance.
• USDT: Tether’s USDT is the most widely traded stablecoin by volume and is available on nearly every major blockchain. While it’s less transparent about its reserves than USDC, its liquidity and broad integration make it highly accessible.
• DAI: DAI is a decentralized stablecoin backed by overcollateralized crypto assets and governed by a DAO. While this offers an alternative to centralized issuers, its peg stability depends on market-driven mechanisms.
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Blockchain Networks: The Payment Rails

When you use stablecoins or any crypto, you are inherently utilizing a blockchain network. Think of the blockchain as the rails or infrastructure that moves the money, akin to the ACH system in traditional payments. Stablecoins live on blockchains and transactions are recorded on that chain’s public ledger.

Not all blockchains are the same, but the good news is you don’t have to pick just one. Most stablecoins exist across multiple chains, so you can choose the networks that best match your priorities. You’ll want to consider factors like transaction fees, speed, security, and how well each chain fits into your broader product or ecosystem.

Here are the most popular blockchains for stablecoin usage in 2025:

• Ethereum: The most proven smart contract platform, known for strong security and decentralization. Ethereum supports almost all stablecoins, but gas fees can be expensive and slow things down.
• Layer-2 EVM-networks: Scaling solutions built on Ethereum that provide lower fees and faster speeds, great for handling scale without compromising on security.
• Solana: A fast and ultra-low-cost network that is ideal for high-frequency or small transactions, though it is slightly more centralized than Ethereum.
• Tron: Tron is extremely cheap and popular for USDT transfers, with heavy usage in global remittance markets.

One important consideration is whether you should support stablecoin payments on multiple blockchains or just stick to one. Going multi-chain gives users more flexibility and can make payments faster and cheaper. It’s a great way to meet people where they are. That said, every network has pros and cons, so weigh them against your product goals.
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Wallet Infrastructure: How Users Hold and Manage Stablecoins

Wallets are the gateway to stablecoin payments. They store the cryptographic keys that prove ownership and allow users to send and receive funds on blockchains. A secure and integrated wallet experience is critical as it enables self-custody, reduces fraud risk, and builds user trust.

Wallet infrastructure also affects how developers handle identity, transaction signing, and authentication. Because wallets can be used to sign messages, they also double as a secure and passwordless way to authenticate users. This proves ownership of a wallet address and allows users to link it to their account without relying on traditional login credentials.

Importantly, you don’t need to build this from the ground up. Solutions like Dynamic provide developer-friendly tools to manage wallets, key security, and multi-chain support, helping you get up and running faster without compromising on safety or flexibility.

There are two main categories of wallets to be aware of:

1. External Wallets: These are wallets such as MetaMask that the user brings with them to an app or site. Users simply connect them when they need to sign and process a transaction.
2. Embedded Wallets: An embedded wallet is built directly into an app, allowing users to interact with crypto with much lower complexity. It simplifies onboarding by handling wallet creation and key management behind the scenes, often using familiar sign-in methods like email or social login.

Importantly, you don’t need to build wallet infrastructure from the ground up. Platforms like Dynamic provide SDKs that support both wallet types, along with powerful tools for secure key storage, multi-chain support, and user authentication. This combination allows you to integrate secure wallet infrastructure quickly and focus on your core product.
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Payment Gateways: How Stablecoins Move from Point A to Point B

A stablecoin payment is a blockchain transaction where one wallet address sends tokens to another address. As a result, your system needs to be able to create and broadcast a transaction on the chosen blockchain network whenever a payment happens, and listen for incoming transactions when you expect to receive payments.

There are a few ways to enable this:

1. Custodial payment gateways: Fully managed services like BitPay that handle blockchain interactions for you. These are easiest to integrate but involve trusting a third party and giving up some control over funds and flow logic.
2. Non-custodial APIs and SDKs: These tools allow you to send and receive stablecoins directly from user-controlled wallets. They’re ideal for more decentralized or composable applications, though they may require a bit more setup and customization on the development side.
3. Direct blockchain integrations: For full control, you can directly interact with the blockchain using smart contracts and node providers such as Infura. This lets you customize transaction logic, build onchain workflows, and own the user experience end-to-end. Although it also means managing keys, gas fees, and confirmation logic yourself.

Many businesses end up adopting a hybrid model that blends the benefits of each method. For example, you might use a non-custodial SDK for user-initiated transactions while relying on a custodial API to manage back-office payouts or fiat conversions. Or, you might integrate directly with a blockchain for core payments, but use a gateway for regions with specific compliance requirements.

This layered approach gives teams the flexibility to optimize for different user segments, transaction types, or geographic needs. As your product scales, hybrid architectures provide a strong balance between simplicity, security, and control.

Fiat On-Ramps and Off-Ramps: Bridging Fiat and Stablecoins

A common challenge when working with stablecoins is handling the flow between fiat and crypto. Users need simple ways to acquire stablecoins and convert them back to fiat at their convenience. This is where on-ramps and off-ramps come into play, offering a bridge between stablecoins and traditional payment methods like bank accounts or credit cards.

These vehicles are especially important if your target users are not already crypto holders. Here’s how they compare:

• On-Ramps: On-ramps let users buy stablecoins using credit cards, bank transfers, or other fiat methods. Providers like Stripe and MoonPay offer widgets or SDKs that can be integrated directly into your app. These services handle payment processing, wallet delivery, and KYC, making it easy for users to acquire stablecoins without leaving a single interface. On-ramps work especially well alongside embedded wallets, enabling new users to go from sign-up to funding in a few clicks.
• Off-Ramps: Off-ramps allow users to convert stablecoins back into fiat and withdraw to a bank account. While slightly more complex due to regulatory checks, options like Transak can be integrated to support redemptions. You may not need off-ramps if you're simply paying users in stablecoins, but offering a built-in “Withdraw to Bank” option can enhance flexibility. Most off-ramp providers handle compliance steps like ID verification and banking connections, helping you stay within regulatory bounds.
  
  

Orchestration Layers: Coordinating Events and Backend Systems

Orchestration layers are what make your payments stack actually work together in real time. They coordinate activity with your internal systems, ensuring everything stays in sync. While orchestration often happens behind the scenes, it plays a critical role in delivering a smooth and responsive experience.

These layers typically handle:

• Transaction monitoring: Tracking onchain events (like a USDC transfer) and updating your backend when a payment is confirmed.
• Queueing and retries: Managing payment workflows, updating a database, and notifying the user.
• Event orchestration: Chaining together actions across services, such as sending an email after a successful payment goes through.
• Indexing and querying: Using services or your own indexer to fetch wallet balances, transaction history, or smart contract state quickly.
  
  

Important Compliance Frameworks to Understand

No tech stack discussion is complete without addressing compliance, especially when dealing with money. Depending on how your product is structured, handling stablecoins can trigger the same regulatory considerations as traditional financial services:

• KYC (Know Your Customer): If your platform involves users holding balances or converting to fiat, you will be required to verify users’ identities. Conducting basic KYC can also help prevent fraud and illicit use, which many on-ramp providers handle on your behalf. If you custody users’ stablecoins, you’re more likely to fall under money transmitter rules which often require KYC.
• AML (Anti-Money Laundering): Watching for suspicious activity (large transfers, flagged addresses, etc.) is important. Blockchain analysis companies like Chainalysis provide services to screen crypto transactions. Many wallet infrastructure providers, like Dynamic, have this built into their offering.
• Licensing: Depending on your jurisdiction and exactly what you do, holding or transmitting stablecoins for users might require a license (like a Money Service Business license in the US). Using a custodial third-party can transfer some of that responsibility to them, since they are licensed. Importantly, this landscape is constantly evolving and should be monitored over time.

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Summarizing the Stablecoin Payments Tech Stack

Tying it all together, here is the tech stack you need to get started with stablecoin payments:

If you’re ready to explore stablecoin payments further and want to simplify the implementation, we would love to chat. Dynamic gives you everything you need to get started, from embedded wallets to external wallet support, plus tools for user management, security, and multi-chain integration. It’s a fast and easy way to go from idea to live product without getting bogged down in wallet infrastructure. With the right tools in place, you can make payments faster, cheaper, and ready for a global audience.