payments

Modern payments need modern rails

DLT is powering the next generation of payments with transparent, always-on infrastructure. Move value instantly, reduce friction, and build programmable financial systems on modern rails you can trust.

rewrite the future of money

Stablecoins

Stablecoins are digital tokens pegged to fiat currencies like USD or EUR. They combine the price stability of traditional money with the efficiency of blockchain. Benefits include:

24/7 value transfer with no dependence on banking hours or geographic boundaries.
Lower remittance costs due to reduced fees for cross-border payments.
Programmable logic embedded into transactions for lending, staking, and automated disbursements.

stablecoin studio

Power compliant stablecoins with proof of reserves

Discover a modular, customizable toolkit for issuing stablecoins on Hedera. Stablecoin Studio simplifies compliance, boosts transparency, and accelerates time to market–all without needing deep blockchain expertise.

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Why Hedera for payments?

Hedera combines speed, predictability, and trust–everything that’s needed to power the next-generation of payments.

Feature	Why it matters
Settlement finality	Payments settle in 2.9 seconds with low, fixed fees, ideal for micro and retail payments.
Speed	Processes over 10,000 transactions per second with built-in security and fairness.
Predictable fees	Fixed in USD, removing volatility for micropayments, remittances, and recurring transactions.
Enterprise governance	Governed by up to 39 industry-leading institutions that are OFAC compliant. This provides regulatory alignment, reduces risk of network capture, and ensures long-term stability.
Native tokenization	Create stablecoins and other NFTs without smart contracts. Compliance features like KYC/AML enforcement ensure regulatory compliance.
Energy efficiency	Carbon-negative DLT that aligns with sustainability goals and ESG mandates.
Programmability	Smart contracts and native services enable automated invoicing, payroll, and subscriptions.
Ecosystem-ready	Wallets, SDKs, and bridges such as Chainlink and custodians like Fireblocks and BitGo simplify developer and enterprise adoption.

build with usd on hedera

Low, predictable fees for payments

Fees on Hedera are fixed, denominated in USD, and paid in HBAR. To see the full fee schedule, visit the Fee Calculator.

Fee Calculator

payments use cases

Hedera use cases for payments and stablecoins

Retail and online merchant payments

Offer faster, lower-cost checkout experiences while cutting credit card fees. Build loyalty programs or rewards systems with instant redemption.

Cross-border remittances

Send money across borders in seconds, not days. Hedera enables low-fee, near-instant transfers with stablecoins or CBDCs.

Micropayments and streaming payments

Support pay-per-use and streaming models. From $0.01 per article or per-video charges, Hedera makes microtransactions possible in digital content, IoT, and gaming.

Decentralized Finance (DeFi)

Power DeFi applications with stable, predictable value. Use stablecoins on Hedera as collateral, ensuring fast, final settlement.

Government and CBDC initiatives

Empower central banks with stable, compliant digital currency solutions. Countries exploring central bank digital currencies (CBDCs) benefit from Hedera’s privacy controls, compliance features, and network stability.

Gaming and metaverse economies

Enable stable in-game assets and seamless off-chain purchases. NFT marketplaces benefit from predictable minting fees and instant settlement.

Enterprise treasury management

Simplify payroll, vendor payments, and internal settlements. Stablecoins on Hedera give enterprises real-time visibility and control over treasury operations.

Treasury & settlement systems

Tokenize fiat for real-time gross settlement (RTGS), bond issuance, coupon disbursements, tax rebates, and stimulus payouts.

Tokenized deposits

Banks can issue tokenized deposits pegged 1:1 to fiat currency, preserving the same legal and regulatory framework as traditional deposits while ensuring full oversight, compliance, and seamless integration with the existing financial system.

case studies

Leading institutions trust Hedera for payments

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The Wyoming Stable Token Commission (WYST) selects Hedera

The Frontier Stable Token (FRNT), the first state-issued stable token in the United States is available on Hedera testnet.

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Powering real-time international payments on Hedera

Discover how Shinhan Bank and partners used Hedera’s Token and Consensus Services to pilot real-time cross-border remittances across multiple currencies.

Case Study

Experience instant payments with Dropp on Hedera

Built on Hedera and featured in the FedNow Service Provider Showcase, Dropp enables low-cost, instant micropayments.

Case Study

Pioneering digital finance in Asia-Pacific with AUDD on Hedera

AUDD delivers instant, low-cost, and sustainable Australian dollar stablecoin payments on Hedera.

Case Study

expert insights to guide your payments journey

Featured resources

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hederacon panel

What’s fueling the growth of crypto payments?

Industry leaders from AP+, Swift, Dropp, and Worldpay discussed how stablecoins, remittances, and next-gen infrastructure are driving the next wave of global payments innovation at HederaCon 2025.

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blog

Australian Payments Plus joins the Hedera Council

Australia’s leading payments provider, AP+, joins the Hedera Council to explore how distributed ledger technology can enhance transparency, security, and efficiency across the nation’s payment infrastructure.

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blog

Hedera joins Bank of England and BIS DLT Innovation Challenge

Hedera is a proud participant in the Bank of England and BIS Innovation Hub DLT Innovation Challenge, exploring how tokenized wholesale central bank money could be transacted and settled on external programmable ledgers.

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podcast

Hedera Council TableTalk

In this first episode of Council TableTalk, Rob Allen from Hashgraph sits down with Hedera Council chair Mance Harmon and other leaders to discuss new Council initiatives. During the episode he explains why HashSphere, the private network powered by Hedera technology, was chosen by AP+ for wholesale CBDCs in Project Acacia.

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see what others are saying

Trusted for the real world

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Stablecoins offer a low-cost, fast, and reliable way to transfer value across borders, which can help to increase financial inclusion and improve access to financial services for individuals and businesses in underserved communities. We are pleased to have demonstrated how the use of Hedera’s EVM-compatible technology helps eliminate intermediaries, reduce costs, and speed up the remittance process.

Kim Byung Hee

Chief of Blockchain Division

Hedera’s high-performance, low-cost network and services are essential to enabling our micropayment platform at scale. With Hedera, we can provide our users with a fast, easy, and affordable way to pay for the content they love, while also giving creators and merchants a fair and sustainable way to monetize their work.

Sushil Prabhu

Chairman & CEO

As the tokenization of goods, services, and assets accelerates, stablecoins like AUDD will be central to ensuring real-world currencies interact securely with decentralized finance.

Effie Dimitropolous

CEO

Our goal with FRNT is to set a new standard for how states leverage digital assets to better serve the public. The Commission selected Hedera for candidacy because its technical edge aligns with our commitment to security and compliance.

Anthony Apollo

Executive Director

Discover why Hedera is the trust layer for payments

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