↗ Topic · Payments

Stablecoins: The Future of Payments

How do we build regulatory-compliant stablecoin payment solutions that deliver?

We build regulatory-compliant solutions for stablecoin payments: feasibility studies, concept design, vendor selection, rollout, and integration. For merchants, banks, and payment service providers.

Book a 30-minute call View Services
Confirmation on the blockchain — funds arrive in seconds, not days
< 2 sec.
Fixed cost per transaction, instead of 50-250 basis points
< 1 cent
No cut-off times — around the clock, with no banking hours
24/7
Pegged to fiat currencies, supervised under MiCA and the GENIUS Act
1:1

The framework is in place. The open question is no longer whether it’s allowed, but how it gets built.

FRAMEWORK
EU & US

Legal certainty for stablecoin payments

MiCA has been in force in the EU since June 2024, and the GENIUS Act was signed in the US in July 2025. Stablecoins are now recognised as a form of payment, with a clear legal framework in place.

MARKET
USD 9tn

Stablecoin payment volume, 2025

Around five times what PayPal moved in the same year. Stablecoins are no longer a niche you can plan around.

OUTLOOK
USD 1.9tn

Stablecoins in circulation, 2030

Citi expects the stablecoin supply in circulation to grow from around USD 280bn today to USD 1.9tn in its base case, and up to USD 4tn in its max case—a 7- to 14-fold increase by 2030.

Citi Institute, “Stablecoins 2030”. Market size = stablecoin supply in circulation, not to be confused with annual payment volume (see “Market”).

Who Benefits

Merchants

Innovation, lower costs, and faster settlement time: no card acceptance needed, funds arrive in minutes instead of days

Financial Institutions

Access to new business opportunities as (B2B) clients actively ask for stablecoin solutions: programmable settlement without a correspondent banking chain

Payment Providers

New revenue streams through their own stablecoin offerings, lower fraud and chargeback risk, and lower costs on cross-border payments

From developing the idea, through feasibility, to implementation & scale.

1

Concept Development

What exactly should stablecoins be used for: retail payments, inter-company, or cross-border (vendor) payments? We help you develop use cases that make an impact.
Includes
Use case and target vision · Payment flow outline · Technology and integration · Success criteria
2

Feasibility Study & Business Case

Can stablecoins be used at all? What's regulatorily possible, what could a technical solution look like, and does the business case add up?
Includes
Technical feasibility · Regulatory review · Business viability · Customer insights (surveys and customer interviews)
3

Technology & Vendor Selection

Which technology is best suited to implement the use case? Which blockchain(s) and stablecoins can be used, and which existing solutions can be integrated along the way?
Includes
Market overview · Case-specific recommendations
4

MVP Development

We build pragmatic technical solutions, from proof of concept to a live MVP through to scale.
Includes
Technical proof-of-concept development · MVP go-live · Scaling and rollout
5

Integration into Existing Systems

We integrate stablecoin solutions into existing systems: till systems, POS, eCommerce, accounting, treasury, loyalty platforms, or core banking systems and ledgers.
Includes
Till and POS integration · eCommerce and loyalty systems · Treasury and accounting · Core banking systems and ledgers

Insights Into Our Work

DevelopX has years of experience delivering blockchain projects in enterprise environments. We’ve implemented stablecoin projects across Europe and the US, and our clients include leading retailers and banks.

Avolta – Stablecoin payments at checkout

USDC accepted directly at checkout

Travel Retail · Avolta

USDC for P2P payments, directly from the customer’s wallet to the merchant — an alternative to card payments with no acquirer in between. Feasibility, payment flow, vendor selection, and rollout delivered by DevelopX.

Read more
A hand holds a smartphone displaying a "Scan to Pay" QR code over a second phone showing the Avolta payment app with an amount of 1.11 CHF, inside a duty-free style retail store with perfume and jewelry displays in the background.

Stablecoins as a settlement rail for cross-border payments

24/7 settlement via stablecoins instead of correspondent banks

Banking

In a sponsor-bank model, we delivered the target vision, build-vs-buy assessment, and vendor landscape — covering custody, mint and redeem, last-mile payout, and sub-ledger design. Result: target vision, vendor landscape, and sub-ledger design finalised.

Read more
A hand holding a smartphone displaying a stablecoin portfolio app with USDC, EUROC, and BTC balances, next to another hand holding a black payment card, with a digital chain and dollar icons connecting them against a dark background.

Digital. Growth. Delivered.

About DevelopX

We support executive teams and investors in building digital business models, from the first idea through validation to market rollout. Founded in 2019 in Hamburg. Today, we operate from seven locations across Germany, Poland, and Portugal.

Companies that entrusted us with their digital agenda.
150+
Passionate experts in technology and business.
300+
Ventures that moved from ideas to market leaders.
25+
Countries with companies we serve.
12+

The Team

Our stablecoin team.

Chris Heeg
Hamburg

Chris Heeg

Partner

As a Partner at DevelopX with a strong focus on technology, Chris is responsible for the design, implementation and scaling of complex digital products. He also advises clients on digital transformation and the adoption of emerging technologies such as AI and blockchain.
Before joining DevelopX, Chris was Commercial Lead at freiheit.com and worked as a consultant at firms including Roland Berger and McKinsey & Company. As the CEO & Founder of a mobile fitness app, he brings hands-on entrepreneurial experience. He holds a degree in physics from the Technical University of Munich, which he completed one semester ahead of schedule.
Shannon-Hodson
Berlin

Shannon Hodshon

Senior Business Lead

Shannon is Business Lead at DevelopX and an expert in product innovation with a particular focus on human-centered digital solutions. She combines experience in strategy consulting and innovation management with in-depth expertise in design and digital transformation. Her previous positions include roles at Bain & Company and KPMG’s Global Strategy Group. Shannon holds a master’s degree in Design Innovation Management from Loughborough University London and a bachelor’s degree in Communication Design from Aachen University of Applied Sciences.
Berlin

Justus Eckhardt

Business Lead

Justus is a Senior Business Architect at DevelopX. He combines expertise in digital platform strategies, user-centered product development, and organizational transformation. He combines deep methodological know-how in agile product management approaches with in-depth experience in managing complex transformation projects. His major focus lays on the conception, piloting, and scaling of B2B platform solutions as well as the design of user-centered customer journeys. By that he supports our clients in successfully developing and implementing their digital innovation projects. Justus holds a Master in Economics from Copenhagen Business School and a Bachelor in Business Administration from KU Eichstätt-Ingolstadt.
Leipzig

Moritz Moerke

Senior Business Architect

Moritz is a Senior Business Architect at DevelopX and has experience as a founder from building an AI start-up. He focuses in particular on the development of digital platforms and the internationalization of scalable business models. Before joining DevelopX, he co-founded Lavelio and worked in strategy consulting at Stern Stewart & Co. and Arkwright. He holds a master’s degree in management from HHL Leipzig Graduate School of Management and a bachelor’s degree in general management from EBS University.
Munich

Fabian Zintgraf

Technology Lead

Fabian is Technology Lead at DevelopX and has extensive experience in software development and software architecture. He focuses on the scalable implementation of digital business models and the development of technical solutions that offer measurable added value for customers. Previously, he was CTO at INFITECH and held various management positions at CHECK24 for over ten years. He holds a bachelor’s and master’s degree in Information Engineering from the University of Konstanz.

Kamil Sochoń
Bialystok

Kamil Sochoń

Platform, Security & Compliance Engineer

Built the infrastructure and delivery pipeline for a stablecoin payment platform and owned its security, compliance and settlement path – sanctions/KYT screening of every on-chain deposit, tiered API authentication, and the on-chain sweep and fiat off-ramp reconciliation behind each payment.
michal_fijalkowski
Warsaw

Michał Fijałkowski

Senior Software Engineer

Michał is a Senior Software Developer, building the backend that keeps stablecoin payments moving end to end.
artur_kruszewski
Bialystok

Artur Kruszewski

Senior Solution Architect

Ready to bring stablecoin payments into production?

Tell us briefly where you stand today and what you’re planning. We’ll get back to you personally for an initial call — no obligation.

  • Response within 24 hours
  • Free, no-obligation initial call
  • Direct contact with payment experts

E-Mail
christian.heeg@developx.com

    * Required Fields