Ivy and Circle Revolutionize Global Payments: The Borderless Account for Web3 Businesses Is Born

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The world of digital finance is undergoing a seismic shift, and at the heart of this transformation lies a groundbreaking partnership between Ivy, a global instant payments platform, and Circle, the leading fintech innovator behind USDC and EURC. This collaboration ushers in a new era for Web3 businesses by introducing borderless bank accounts with native support for stablecoin settlements—making cross-border transactions faster, cheaper, and more transparent than ever before.

With the integration of Circle’s leading stablecoins into Ivy’s real-time payment infrastructure, companies can now seamlessly move funds across borders using a single API, settling directly in USDC or EURC while maintaining full compatibility with traditional fiat currencies.

👉 Discover how the future of global payments is being rewritten—click here to explore seamless fiat-to-stablecoin conversion.

A New Era for Instant Global Payments

Powered by Ivy’s API, crypto platforms, trading applications, payment service providers, and international e-commerce merchants can now accept instant bank payments and manual transfers across Europe in multiple currencies—including USD, EUR, GBP, SEK, and DKK.

What sets this solution apart is its ability to instantly convert these fiat funds into USDC or EURC, two of the most trusted regulated stablecoins in the market. This enables businesses to operate fluidly in both traditional and digital finance ecosystems, sending and receiving value without friction.

This unified system eliminates the need for multiple wallets, card processors, or costly intermediaries. Instead, it offers a streamlined financial stack: accept payments in fiat, settle in stablecoins, and transact globally—all through one powerful API.

For Web3-native companies scaling internationally, this means faster cash flow, reduced transaction costs, and greater operational flexibility. Whether you're a decentralized exchange, NFT marketplace, or blockchain gaming platform, Ivy provides the banking rails needed to thrive in a borderless economy.

Why Stablecoins Are Leading the Charge

The rise of stablecoins isn’t just a trend—it’s a structural shift in how value moves globally. According to the World Economic Forum, stablecoin transaction volumes reached $27.6 trillion in 2024, surpassing combined volumes from Visa and Mastercard for the first time.

This milestone underscores the inefficiencies of legacy payment systems: high fees, slow settlement times (often 2–5 business days), and limited accessibility. In contrast, stablecoins offer near-instant settlement, 24/7 availability, and global reach—all while maintaining price stability through 1:1 pegs to fiat currencies.

USDC, in particular, has emerged as a gold standard in digital dollars. It is fully backed by reserves held at regulated U.S. financial institutions and undergoes monthly attestations by independent auditors. These reports are publicly available, ensuring transparency and trust for users worldwide.

EURC follows the same rigorous framework for euro-denominated transactions, making it ideal for European businesses embracing digital finance.

By integrating these assets directly into its payment layer, Ivy becomes one of the first platforms to enable native settlement in USDC and EURC, reinforcing stablecoins’ role as essential tools for modern commerce.

Interoperability: Bridging Traditional Finance and Web3

At the core of this innovation is interoperability—the seamless connection between real-time banking infrastructures and blockchain-based assets.

Ferdinand Dabitz, CEO and co-founder of Ivy, emphasizes that “real-time payment systems and stablecoins were built to work together.” He adds: “Hundreds of merchants are already leveraging our global API for instant bank payments. Now, with native support for Circle’s USDC and EURC, our customers can mint and burn USDC directly from fiat via a settlement layer that operates 24/7/365.”

This capability allows businesses to dynamically switch between fiat and digital dollars based on operational needs—without relying on third-party exchanges or off-ramps.

For example:

This level of agility was previously unattainable with traditional banking rails.

👉 See how your business can harness 24/7 instant settlements—experience the next generation of financial infrastructure.

Building the Future of Money Movement

The partnership between Ivy and Circle isn’t just about technology—it’s about redefining what’s possible in global finance.

Sanja Kon, VP of Partnerships & Business Development at Circle Europe, states that this collaboration “strengthens the utility of USDC and EURC in Europe, offering businesses greater flexibility, speed, and transparency in managing global financial flows.”

She continues: “Real-time conversion between fiat and stablecoin unlocks new efficiencies and accelerates the transition toward a more open and inclusive financial system.”

This vision aligns with broader trends in financial innovation: decentralization, automation, and user empowerment. By combining regulated stablecoins with instant payment networks, Ivy and Circle are setting a new standard—where money moves globally by default, at internet speed.

Global Reach with Local Compliance

Headquartered in Berlin, Munich, London, and Helsinki, Ivy operates at the intersection of European financial regulation and cutting-edge fintech innovation. The company has raised $30 million from top-tier investors including Peter Thiel’s Valar Ventures and Creandum, underscoring strong confidence in its mission.

Ivy’s infrastructure complies with local regulatory frameworks while enabling cross-border functionality—ensuring security, compliance, and scalability for enterprise clients.

Frequently Asked Questions (FAQ)

Q: What is a borderless bank account?
A: A borderless bank account allows businesses to receive, hold, and send money across countries without being restricted by traditional banking boundaries. With Ivy, these accounts support both fiat currencies and stablecoins like USDC and EURC.

Q: How does USDC maintain its 1:1 value with the U.S. dollar?
A: USDC is fully backed by reserves consisting of cash and short-duration U.S. Treasury securities held at regulated financial institutions. Monthly attestations verify these reserves, ensuring transparency and stability.

Q: Can I use Ivy if my business isn’t based in Europe?
A: Yes. While Ivy supports European instant payment systems like SEPA Instant, its API is designed for global businesses looking to integrate fast, low-cost international payments with stablecoin capabilities.

Q: What does “minting and burning” USDC mean?
A: Minting creates new USDC when fiat currency is deposited; burning destroys USDC when it’s redeemed for fiat. Ivy enables this process instantly through its integrated settlement layer.

Q: Is this service available 24/7?
A: Yes. Unlike traditional banks that operate during business hours, Ivy’s settlement layer functions 24/7/365—enabling real-time transactions anytime, anywhere.

Q: How do I get started with Ivy’s API?
A: Developers can access documentation and integration tools directly through Ivy’s platform to begin building instant payment solutions with stablecoin support.

👉 Unlock instant global settlements—start building with next-gen payment infrastructure today.

Final Thoughts: The Dawn of a New Financial Standard

The collaboration between Ivy and Circle marks a pivotal moment in the evolution of digital finance. By merging regulated stablecoins with real-time banking networks, they’ve created a powerful solution for Web3 businesses navigating a complex global landscape.

In an era where digital assets are outpacing traditional payment networks in volume and efficiency, platforms like Ivy are not just innovators—they’re enablers of a more inclusive, transparent, and interconnected financial future.

As stablecoin adoption grows and regulatory clarity improves, we can expect more businesses to adopt hybrid models that blend fiat and blockchain-based finance. And with pioneers like Ivy leading the charge, the dream of truly borderless money is closer than ever.

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