Payments platform Decta will use USDC through OpenPayd's infrastructure for international treasury settlement, seeking faster transfers and more efficient liquidity management. The integration marks another instance of traditional payments infrastructure adopting dollar stablecoins as settlement rails rather than speculative assets.
OpenPayd's network spans 180 countries and territories through a single API, offering Decta a route to move treasury balances across borders without correspondent banking delays. USDC circulates at roughly $35 billion, second only to USDT's $118 billion, and its reserve transparency has made it a preferred instrument for institutional settlement flows.
| Metric | USDC | USDT |
|---|---|---|
| Circulating supply | ~$35B | ~$118B |
| Reserve attestation | Monthly (Grant Thornton) | Quarterly (BDO) |
|---|---|---|
| Primary chains | Ethereum, Solana, Polygon, Arbitrum | Tron, Ethereum, Solana |
| Institutional custody | Circle, Coinbase, Fireblocks | Tether Limited, Bitfinex |
The partnership follows a broader trend where payments firms treat stablecoins as monetary plumbing. Visa settled $2.5 billion in USDC pilot transactions last year. Stripe reopened crypto payments with USDC on Solana, Polygon, and Ethereum. Each integration reduces the friction of converting between fiat and on-chain dollars for corporate treasuries.
What triggered the move
Decta's clients operate in corridors where SWIFT settlement takes two to five days and FX spreads eat 1–3% per hop. USDC moves in minutes at near-zero cost on chains like Solana and Polygon. OpenPayd handles the fiat on- and off-ramps, letting Decta keep balances in dollars until the moment of settlement.
How desks are positioning
Corporate treasurers are allocating small percentages of operating cash to stablecoin rails as a parallel system. The volume remains a fraction of SWIFT's $5 trillion daily, but the growth rate signals a structural shift. Decta's integration adds another node to the network without requiring clients to hold crypto directly.
Why the timing matters
Circle's upcoming IPO filing and the EU's MiCA stablecoin regime taking full effect in December have clarified the regulatory perimeter for USDC in Europe. OpenPayd holds an EMI license in the UK and EU, giving Decta a compliant path. The infrastructure is live; the adoption curve now depends on treasury teams trusting the rails.