Building with Stablecoins

Stablecoins are a real, programmable layer in the financial stack. For fintechs, payment providers, and digital wallets, integrating stablecoin functionality can unlock global reach, faster settlement, and programmable compliance. But behind the promise lies a set of architectural, security, and regulatory challenges that developers and product teams must solve deliberately. 

At OceanoBe, we help fintech teams build scalable and secure infrastructure that bridges the fiat and crypto worlds. Here’s what you need to know if you’re building with stablecoins in mind. 

Choosing the Right Stablecoin: It's Not Just About the Logo 

From USDC and USDT to EURC and algorithmic tokens like DAI, not all stablecoins are created equal — especially from an integration standpoint. 

When selecting a stablecoin, developers and CTOs must consider: 

Reserve transparency and auditability (e.g., Circle publishes regular attestations for USDC). 

Chain compatibility — Will you integrate with Ethereum, Solana, Avalanche, or support multiple chains? 

Regulatory footprint — Is the stablecoin supported in your operating jurisdictions? Some fintechs prefer fiat-backed, centrally governed tokens over decentralized options for easier compliance. 

Depegging* risks and liquidity depth — Technical integrations are only as strong as the market dynamics behind them. 

* When it comes to stablecoins, depegging refers to the moment when the value of a stablecoin significantly deviates from its pegged value. 

Your choice will define the wallet SDKs, APIs, and security measures you’ll need down the line. 

Integration Models: Wallets, Custodians, and APIs 

Once you’ve selected a stablecoin, the next step is deciding how to integrate it into your system: 

Direct on-chain interaction

For non-custodial wallets and DeFi platforms, your infrastructure needs to support Web3 libraries (e.g., ethers.js) and secure key management (HSMs, MPC wallets). 

Third-party custodial APIs

Services like Fireblocks, Anchorage, or Circle offer SDKs for sending/receiving stablecoins while offloading the complexity of private key management, compliance, and liquidity. 

Fiat on/off ramps

Some providers can help users easily swap stablecoins and fiat — essential for building user trust. 

Integration must also account for KYC/AML orchestration, multi-sig wallet creation, and stablecoin balance display across mobile and web apps. 

Smart Contract Design & Token Standards 

If your platform involves more than holding and sending stablecoins — such as streaming payments, escrow, or yield features — you’ll be interacting with smart contracts directly. 

ERC-20 remains the dominant standard, but variations exist (USDT uses a non-standard transfer method). 

Contract interactions must be protected against front-running, gas spikes, and reentrancy bugs. 

Audited third-party libraries (OpenZeppelin) are critical when composing on-chain logic. 

Accounting, Ledgering, and Reconciliation 

One of the key challenges in fintech is not just sending funds — it's reporting on them accurately. 

Integrating stablecoins requires: 

Syncing on-chain events (transfers, approvals) with internal ledgers in near real-time. 

Mapping wallet addresses to user profiles securely. 

Supporting stablecoin-to-fiat conversion metrics for financial reports and compliance audits. 

Integrating APIs like Chainlink for price feeds, oracles, and real-world data anchoring. 

Stablecoins Are Still Regulated Money 

Security isn’t optional when handling digital assets — it’s foundational. 

• Use of HSMs or MPC wallets for key custody. 
• Secure webhook management to avoid spoofed transaction updates. 
• Compliance protocols such as the Travel Rule (VASP-to-VASP information sharing) must be embedded in your transaction pipeline. 
• Transaction monitoring with AML rules engines like ComplyAdvantage or Chainalysis KYT. 

From a compliance standpoint, MiCA and evolving U.S. regulations will shape how you report and store stablecoin transactions in 2025 and beyond. 

Real-World Use Case: Stablecoins in Cross-Border Payouts 

Fintech clients — for example, those operating a digital wallet in Eastern Europe — might need to enable near-instant EUR-denominated transfers to freelancers in Asia. Fiat wires were slow and costly so the possible solution would be to integrate stablecoin payout solution (EURC on Avalanche) using a Fireblocks backend, and orchestrate contract-driven approval flows for payout batches. 

Result? Settlement time should drop with full compliance logging baked into the dashboard. 

Bonus: What About CBDCs? Should You Build for That Too? 

Central Bank Digital Currencies (CBDCs) are being piloted in over 100 countries. While still evolving, we recommend fintech platforms: 

• Build chain-agnostic transaction infrastructure. 
• Separate core payment logic from asset types (fiat, stablecoin, CBDC). 
• Keep an eye on European Digital Euro and U.S. FedNow integrations. 

CBDCs will require tight integration with national identity systems and new forms of compliance — your stablecoin strategy can be the groundwork. 

Should you consider it? 

Building with stablecoins is no longer experimental — it’s a competitive edge. From streamlining B2B settlements to enabling global payouts and on-chain loyalty, stablecoins offer programmable, scalable infrastructure for forward-thinking fintech platforms. 

At OceanoBe, we help fintechs and banks design, integrate, and secure stablecoin-ready infrastructure, tailored for real-world regulations and scale. 

Ready to integrate stablecoins into your fintech product? Let’s talk about how our development teams can accelerate your roadmap — Contact us today.