Stablecoins are digital currencies designed to stay stable, typically pegged 1:1 to a fiat currency like the US dollar. Unlike volatile cryptocurrencies (like Bitcoin or Ethereum), stablecoins offer price consistency while still running on blockchain rails. Stablecoins offer price consistency while still running on blockchain rails.
Why Pebbles uses stablecoins
At Pebbles, we use stablecoins as the underlying medium of transfer for your payments, so your money moves faster, cheaper, and more globally than banks or traditional platforms allow.
Global by default: No need to rely on SWIFT, banks, or local rails
Instant and low-cost: Settle payments in minutes, with lower fees
Stable in value: Perfect for pricing, invoicing, and savings
Composable: Can be used with smart contracts to automate subscriptions and more
Pebbles handles the blockchain complexity for you. You just see your balance in your chosen currency, while stablecoins do the work underneath.
Which stablecoins does Pebbles use?
USDT (Issued by Tether)
The most widely used stablecoin in the world. Pegged to the US Dollar, it operates across many blockchains and is often used for payments, remittances, and crypto trading.
Maintains a 1:1 peg to USD
Used globally, including in regions with limited access to traditional banking
Supported by many exchanges, wallets, and merchants
USDC (USD Coin issued by Circle)
A regulated stablecoin issued by Circle and backed by USD reserves. USDC is known for its transparency and focus on compliance.
Fully backed and audited reserves
Widely used in DeFi and fintech
Often preferred by businesses and developers for on-chain settlement
USD1 (Issued by World Liberty Financial)
A newer stablecoin used in Pebbles, issued by World Liberty Financial. USD1 is backed by short-term U.S. treasuries and custodied by BitGo.
Designed for regulatory clarity
Built to defend USD sovereignty in the blockchain era
A non-CBDC alternative for institutions and stable-value use cases
TL;DR
Pebbles uses stablecoins because they:
Make payments faster, cheaper, and borderless
Offer consistent value, ideal for invoicing, tipping, and earning
Unlock smart features like auto-conversion and programmable payouts