Last Wednesday, May 7, Stripe, which offers programmable financial services to the consumer audience, announced new products.
The mentioned firm, which has its headquarters in San Francisco and Dublin, in a statement published on its official website, noted that the new products are designed to help businesses implement the practice of using artificial intelligence and leveraging stablecoins to ensure growth.
The company claims that it currently serves the world’s largest fast-growing brands. It was noted separately that in this case means half of the firms from the Fortune 100 and 78% of the businesses from the Forbes AI 50. It is obvious that leading brands are interested in using artificial intelligence and scaling appropriate practices within their activities, since this new generation technology already provides many advantages, including increased efficiency, and at the same time has significant potential, which is still expected to be realized. Moreover, AI is becoming more widespread in the online environment, and ignoring this circumstance will have negative consequences.
Stablecoins are also what can be called a promising area in the context of a multifunctional business environment. In the context of the relevant statement, it is worth paying attention to the fact that the mentioned cryptocurrencies are tied to fiat currencies or another stable asset, for example, gold, which is a factor that makes it possible to maintain the relative stability of the exchange rate. This stability means that businesses can reduce the risk of sharp fluctuations in the value of digital assets. This factor is especially important when planning cash flows and accounting. This predictability allows companies to make more confident decisions about investments and expenses. Also, one of the advantages of stablecoins for businesses is the ability to carry out fast and cheap cross-border payment transactions. At the same time, traditional bank money transfers involve processes that can last several days and involve high fees. At the same time, stablecoin payments are processed almost instantly. Another advantage of these transactions is their constant availability, regardless of weekends and holidays. In the relevant context, it is not superfluous to clarify that in the era of advanced technologies that determine the content of many processes in the world, speed is becoming an increasingly important parameter of business functioning. Also, the absolute availability and speed of stablecoin payments are especially beneficial for those companies that operate in the markets of different countries. In this case, these firms can minimize delays and optimize capital turnover.
In the context of the advantages of stablecoins for business, it is worth mentioning their globality separately. These cryptocurrencies are not subject to the limitations of traditional financial systems, such as, for example, geographical barriers. For businesses, this feature means the opportunity to enter new markets, facilitating the process of accepting payment transactions from customers and reducing the level of dependence on outdated banking mechanisms. Moreover, the use of blockchain technology, which is at the core of stablecoins, ensures transparency and security of all transactions. The decentralized registry allows market participants to track each operation in real time, which increases trust between partners, reduces the risk of fraud, and can be a factor in improving regulatory reporting. These features are especially valuable for businesses striving for high standards of financial reporting and openness. Moreover, stablecoins open up new opportunities for the integration of innovative technologies. Using the ability to leverage smart contracts, companies can automate payment processes, conclude deals with minimal involvement of intermediaries, and significantly reduce transaction costs. The application of this practice is an important source of digital business transformation. In the relevant case, a business can quickly adapt to modern financial trends and compete in today’s market, which is a space of high-intensity changes. Stablecoins are a profitable tool for companies that strive for an efficient, advanced, and competitive financial infrastructure. The number of firms experimenting with the integration of the mentioned cryptocurrencies into their business processes is increasing, which is a factor in reducing costs and generating new forms of financial services. For example, the fintech company Circle issued stablecoin USD Coin (USDC). USDC is actively integrating into the payment systems of many companies, providing instant and predictable money transfers. The fintech brand Paxos issued Pax Dollar (USDP). The mentioned regulated stablecoin aims to increase transparency and efficiency of settlements for financial institutions and corporate clients. Specialized payment platforms such as CoinsPaid are focused on integrating stablecoins for conducting cross-border money transfers.
Returning to Stripe, it is worth noting that last year, companies using the brand’s services processed payment transactions totaling $1.4 trillion. The relevant information is contained in a statement posted on the official website of the firm. The mentioned indicator grew by 38% year-on-year and is equivalent to about 1.3% of global gross domestic product (GDP). The total revenue that businesses process in the Stripe functional system is growing seven times faster than that of firms in the S&P 500.
During its annual user event called Sessions, Strioe presented the world’s first foundation model of artificial intelligence, which is designed for the payment sector. The company also presented a large-scale expansion of its money management capabilities. In this case, among other things, stablecoin-powered accounts are meant.
Patrick Collison, Stripe cofounder and chief executive officer, stated that there are not one but two tailwinds significantly higher on the Beaufort scale that are fundamentally changing the economic landscape, and these are artificial intelligence and stablecoins. According to him, the goal of the job company is to move these technologies forward so that businesses on Stripe can benefit from them right away.
The company has extensive experience in using artificial intelligence models. In this case, the remarkable circumstance is that the relevant experience is so large-scale that it has already transformed into a story that continues, develops, and is beyond what could be described as a series of experimental initiatives with no concrete and sustainable results. All cases of using artificial intelligence models by Stripe involve interaction with AI-powered virtual products designed to solve clearly defined tasks. Related tasks include fraud prevention, personalization of the checkout experience for individual buyers, and increased authorization rates.
As part of its efforts to help users grow even faster, Stripe announced that it has developed the world’s first artificial intelligence foundation model for payments. This model has been trained on tens of billions of transactions. The announced virtual product can also receive hundreds of subtle signals about each payment. The company noted that these signals are not read by other specialized models. It was also announced that the new model will be deployed in the entire Stripe payment suite. Moreover, the company claims that in this case, additional performance features that were classified as impossible in the past will be unlocked.
The firm stated that the first results on preventing attacks related to the testing of cards testified to the effectiveness of the new Payments Foundation Model. As part of the practice of using previous models, Stripe has gradually reduced card testing by 80%. This result was achieved within two years. The relevant information was published on the company’s official website. By starting to use the foundation model, the firm increased the detection rate of attacks on large businesses by 64%, almost overnight.
The company also launched Stablecoin Financial Accounts. As part of this product, consumers will be offered new money management opportunities. The announced features are powered by stablecoins. These solutions will be available to businesses in 101 countries. The company drew special attention to the fact that the new money management features were announced three months after Stripe acquired Bridge, a stablecoin platform.
The new accounts will allow businesses to hold a balance in stablecoins. Also, in this case, consumers will be provided with the opportunity to accept funds on both crypto and fiat rails. In the relevant context, ACH and SEPA are meant, among other things. Another new solution is the ability to send stablecoins to almost any region of the world.
The company also claims that the new accounts will allow entrepreneurs operating in countries with significant instability of national currencies to receive protection from inflationary impacts. Moreover, the firm stated that in this case, the mentioned entrepreneurs will be given easier access to the global economic space. The introduction of new Stripe solutions will begin with the stage of support for two dollar-denominated stablecoins, including USDC and USDB from Bridge. In the future, the company plans to start supporting other stablecoins.
Stripe stated that over the past year, the volume of stablecoin transactions has increased by more than 50%. In March 2025, the Dune and Artemis analytical companies published a report that showed that from February 2024 to February of the current year, the supply of digital coins amounted to $214 billion. The total volume of stablecoin transactions over the past 12 months has exceeded $35 trillion. The market grew by 63%. In February 2024, the monthly volume of stablecoin transfers was $1.9 trillion. This indicator has shown impressive growth over the year. In February 2025, the volume of stablecoin transfers amounted to $4.1 trillion. It would not be superfluous or inappropriate to clarify that, in this case, it means indicators on a global scale, and not data reflecting the state of affairs at individual regional levels. The information contained in the joint report of the analytical companies indicates that the scale of the use of stablecoins in the framework of the implementation of cross-border payment transactions is expanding. Moreover, the dynamic of 12 months signals significant prospects for an upward continuation of this process. Also, the practice of using digital coins is gradually becoming more widespread in the ecosystems of decentralized finance. The growth of the corresponding indicators was significantly influenced by the institutional adoption of cryptocurrencies. This process is not yet comprehensive, but in this case, the very fact of the beginning of the momentum of moving forward is important. At the same time, it is worth noting that data on global stablecoin transaction volumes vary. It is noteworthy that the difference in indicators is very large. For example, last month, a report was published by the data provider Bitwise, containing information that in 2024, stablecoin transactions totaling $13.5 trillion were made globally. The company drew special attention to the fact that Visa’s similar figure reached $13.3 trillion over the same period. From the point of view of this comparison, there is a sufficient reason to assert that stablecoins have crossed a historical milestone in the context of moving towards global scaling. Also, according to Bitwise, the market capitalization of digital coins reached $218 billion by the end of the first quarter of 2025, which is a record.
Stripe stated that since stablecoins allow for the movement of money at a higher speed and with lower costs around the world, many large companies are turning to this brand for help in developing strategies for using virtual coins. At the same time, it was noted that the path in this direction is not absolutely trouble-free or contains only positive opportunities that, with moderate or even minimal efforts, can be realized in an absolutely favorable environment. According to Stripe, the problematic task is to ensure the possibility of using stablecoins at businesses, whose practice involves accepting only fiat currencies. It was noted that Bridge entered into a partnership with Visa last week to solve the mentioned problem. In this case, the joint efforts are aimed at the first global issuing cards product. It is claimed that stablecoin balances can be spent as easily as fiat currency. Stripe stated that such fintech brands will be able to issue Visa cards linked to stablecoin wallets. In this case, we mean wallets in dozens of countries. A practice is being formed in which, when cardholders make purchases, Bridge will debit funds from their stablecoin balances. Then the process of converting digital coins into fiat currency will be carried out. For merchants, this algorithm means being able to receive payment in the local currency. They actually eliminate various difficulties that are typical for cryptocurrency transactions. In this case, the movement of money becomes independent of the restrictive effects of the specific features of various functional systems. The corresponding wording means that the process of sending and receiving funds becomes unified and consistent without the need for fragmentation, because the transfer of finance is carried out through different ecosystems that differ from each other in technological specifics.
Stripe stated that stablecoin cards can be leveraged at any of 150 merchants worldwide. Separately, it is worth clarifying that in this case, it means merchants who accept Visa.
Stripe’s new functional solutions also include the ability for businesses to hold and manage balances in multiple currencies. The corresponding feature can be activated in user accounts already existing in the company’s ecosystem. In this case, a feature is provided that allows consumers to store funds in the currencies in which they were received. Among other things, the company is ready to provide users with the opportunity to convert funds into various currencies. In this case, another functional solution offered to consumers is the ability to create virtual and physical cards for each currency.
The list of benefits announced by Stripe also stipulates that the new multi-currency feature will help multinational companies avoid FX fees. These are additional costs that can be avoided by using advanced fintech solutions. FX fees are a kind of unpleasant reality that businesses within the framework of traditional financial practices regularly encounter when moving money between countries. As an example of the convenience of its new feature, the company described a potential situation in which a certain brand based in London would be able to accept payments in pounds sterling from customers on the domestic market, to hold a balance in the appropriate currency in Stripe’s account, issue cards to provide employees in the United Kingdom with the opportunity to buy goods in pounds sterling, and pay suppliers in the UK in the same currency. The firm emphasized that no FX fees are provided in this case. Separately, it is worth noting that Stripe has provided customers with the opportunity to hold balances in different currencies.
It is known that initially, multicurrency balances will be launched as a product available to businesses in the United States and the United Kingdom. By the end of the current year, the company intends to deploy this feature in the eurozone.
Will Gaybrick, Stripe’s president of product and business, stated that the company is developing programmable financial services to generate a practice where users can manipulate and manage money with code as easily as data. According to him, in the new launches that the firm unveiled on Wednesday, artificial intelligence and stablecoins are used to accelerate customer growth.
Stripe continues to expand the scope of its cooperation with the largest companies in the world. On Wednesday, the company announced that Nvidia is using Stripe Billing to power subscriptions to its GeForce Now gaming service. Under traditional algorithms, companies need months to complete a large migration. At the same time, Nvidia migrated its entire subscriber base to Stripe Billing in just six weeks. This is the fastest migration to Stripe Billing in the history of the relevant process.
Moreover, PepsiCo expands the space of its collaboration experience with Stripe. In this case, the efforts are aimed at helping modernize payment transactions for restaurants, bars, and other small business facilities in the United States. In the past, which is a short distance from the present, store managers paid for delivery using an algorithm that required them to hand over paper receipts to PepsiCo delivery drivers. As part of its collaboration with Stripe, the manufacturer has launched a new website and app. On the mentioned virtual platforms, consumers can perform operations to order and pay for products online.
Stripe notes that large companies often face the need to process payment transactions from multiple providers. It was noted that this circumstance is a source of certain difficulties. Companies do not have a unified vision and a convenient way to compare performance to ensure that they direct their payment transactions in the path that is most optimal method in the context of the relevant task. To solve this problem, Stripe launched Orchestra. Within the framework of the corresponding functional solution for businesses, assistance is provided in setting up, managing, and optimizing performance across several payment providers. The whole process is done with the Stripe Dashboard.
Payment orchestration is critically important in the context of the modern digital economy as a functional space with its own specifics. In this case, the high importance is because orchestration forms a single platform for managing the entire ecosystem of payments. Payment service providers, intermediaries, fraud prevention tools, and tools to ensure compliance with regulatory requirements are integrated into a holistic functional environment. In this case, the complex processes of processing global payment transactions are simplified. Consolidation, which is provided by payment orchestration, minimizes the hassle that comes with having to interact with multiple interfaces. Also, the setup time is reduced in this case. Moreover, in the context of payment orchestration, it reduces the volume of operating expenses. It also provides a smoother and more reliable flow of transactions.
The most important characteristic of payment orchestration is the dynamic routing of transactions. The orchestration platforms select the most reliable and cost-effective route for each operation. This is a faster and more efficient practice compared to the concept, which stipulates that each payment must follow a fixed path, which very often turns out to be far from meeting such a parameter as optimality. Adaptive routing contributes to the growth of approval rates, is a factor in minimizing declines, optimizes transaction fees, and contains an impulse to improve the overall quality of customer service.
Moreover, payment orchestra provides consolidated analytics and reporting through a centralized dashboard. Relevant data allows companies to track the performance of various payment channels in real time, make informed decisions, and identify trends. Unified data means that firms can improve their risk management, detect fraud through integrated analytics, and ensure compliance with regulatory standards such as PCI DSS or GDPR. This is necessary to maintain the trust and efficiency of modern transactions.
Stripe continues to expand its suite of payments, revenue, and embedded finance. For example, the company has announced support for 25 new payment methods. In this case, UPI and PIX are also implied. The company also announced that in the summer, Klarna will be available via a link to the Stripe product for consumer payment transactions. Moreover, the firm has announced the launch of managed payments. In this case, a merchant offer is meant, which will provide brands with everything they need to enter the markets. The mentioned product also provides attention to aspects such as global taxes, fraud prevention, dispute resolution, and fulfillment of obligations. Businesses can also now create fully managed credit card issuing programs for consumers on Stripe. Smart Disputes takes a special place in the company’s solutions line. Within the framework of this product, it implements the process of using artificial intelligence to automate dispute resolution. Moreover, Smart Disputes helps firms receive 13% more chargebacks. In this case, there is an obvious financial benefit for the business from using the product. The total number of new Stripe solutions and updates is several dozen.
As we have reported earlier, Stripe Expands Partnership With Tencent and Weixin Pay Availability.
