--- title: "Payments" id: "3373" type: "page" slug: "payments" published_at: "2025-10-21T21:30:03+00:00" modified_at: "2026-04-10T15:54:21+00:00" url: "https://hedera.com/use-cases/payments/" markdown_url: "https://hedera.com/use-cases/payments.md" excerpt: "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..." --- 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. [Learn More](/product/stablecoin-studio/) ## 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](/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 [#](#) [#](#) [View All](/case-studies/) 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. [Read Blog](/blog/hedera-selected-for-wyomings-frontier-stable-token-frnt-the-first-u-s-state-issued-stable-token/) 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](/case-study/shinhan-bank/) 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](/case-study/dropp/) 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](/case-study/audd/) expert insights to guide your payments journey Featured resources [#](#) [#](#) [View All](/case-studies/) 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. [Watch Replay](https://www.youtube.com/watch?v=FbbuzJyLYZM) 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. [Read Blog](https://hedera.com/blog/australian-payments-plus-ap-is-now-a-hedera-council-member) 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. [Read Blog](https://hedera.com/blog/hedera-participates-in-the-bank-of-england-and-bis-innovation-hubs-dlt-innovation-challenge) 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. [Watch Video](https://youtu.be/J6Gw55E3Zq4?si=kfVuISMAnD8Opliv) see what others are saying Trusted for the real world [#](#) [#](#) [View All](/case-studies/) 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 [Read More](/case-study/shinhan-bank/) 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 [Read More](/case-study/dropp/) 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 [Read More](/case-study/audd/) 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 [Read More](/dapp-directory/) ## Discover why Hedera is the trust layer for payments [Start Building](/start-building/) [Learn More](/case-studies/)