Using Stablecoins in Real Life
Learn how stablecoins work and how you can start using them in daily life.
What Are Stablecoins?
Stablecoins are digital tokens designed to maintain a consistent value, usually pegged 1:1 to a fiat currency like the US dollar. Unlike cryptocurrencies such as Bitcoin or Ethereum, which can experience large price swings, stablecoins are built for stability and predictability.
Some widely used stablecoins include USDC and USDT, which are fully backed and supported across exchanges and payment platforms. Their stable value makes them practical for everyday payments, whether you're buying coffee, groceries, or traveling internationally.
Stablecoins are also seeing growing global adoption. Several jurisdictions have issued their own fiat-backed stablecoins — such as XSGD in Singapore and GBP-pegged coins in the UK—and they are increasingly used for everyday payments or as a hedge against currency volatility. In some countries, people are already using stablecoins to pay bills or make small retail purchases, showing that they’re moving beyond a niche crypto asset into a practical form of money.
Regulatory clarity is improving, with frameworks like MiCA in the EU and the GENIUS Act in the US providing oversight. Clearer rules help build trust, encourage mainstream adoption, and reassure users that stablecoins are a secure, reliable way to hold and spend digital assets.
How Stablecoins Differ From Other Cryptocurrencies
Stablecoins vs Other Cryptocurrencies
Cryptocurrencies like Bitcoin and Ethereum can experience large price swings, making them exciting for traders but impractical for everyday spending. Stablecoins maintain a predictable value, letting you use them confidently for daily transactions.
Stablecoins vs Traditional Money Movement
Stablecoins also offer advantages over traditional bank transfer:
- Fast: Payments move almost instantly on the blockchain
- Low cost: Transactions often incur lower fees than banks, especially for international transfers
- Global access: Send and receive money anywhere without banking restrictions
In short, stablecoins combine the benefits of digital money—speed, transparency, and global accessibility—with the stability needed for practical, everyday spending.
How DeCard Makes Spending Stablecoins Easy
Stablecoins are great in theory, but on their own, they live in digital wallets or on exchanges, which makes spending them in everyday life tricky. DeCard bridges that gap by letting you spend your stablecoins at over 150M+ merchants worldwide.
Simply deposit your stablecoins (USDC or USDT) onto DeCard and spend your digital assets directly on everyday purchases. Your experience feels just like using a normal card — simple, familiar, and instant.
Beyond convenience, DeCard also offers a brand-new rewards system, DePoints, where you can earn and redeem rewards simply by spending with your card.
Using stablecoins doesn’t have to be complicated. With DeCard, your digital assets become practical, everyday money. Ready to turn your stablecoins into everyday spending power?