What is a stablecoin?

A stablecoin is a token that aims to hold a stable value, usually one unit of a fiat currency. The chain moves the token. Your product still needs a ledger if you owe customers a balance, take a fee, or hold inventory. The wallet on-chain is not the customer book unless you have one customer and one address.

How does a stablecoin work in a product?

You receive tokens to an address you control, or you send them out. The chain confirms the transfer. You credit or debit the customer wallet in the ledger. If many customers share a treasury address, the chain will not tell you who to credit. The memo or the invoice will, and then the book.

Stablecoin vs fiat in the ledger

Both are currencies with a precision. USDC often uses 6 decimals. USD fiat uses 2. Do not mix them on one balance. A redemption — token in, dollars out — is two posts and a rail, not one.

What is final?

Chain finality is the rail. Your customer credit is the book. Credit too early and a reorg or a failed send becomes a hole. Hold inflight until the confirmations you chose.

How it works with Blnk

Open a balance in the token currency with the right precision. Treat the chain address as the rail pot. Credit the customer when the transfer confirms.

await blnk.Transactions.create({
  precise_amount: 25000000,
  precision: 1000000,
  reference: 'usdc_in_20260816_001',
  currency: 'USDC',
  source: '@WorldUSDC_CHAIN',
  destination: 'customer_wallet_id',
  description: 'USDC deposit',
  inflight: true,
  meta_data: {
    rail: 'usdc',
    tx_hash: '0xabc123',
    customer_id: 'cus_8f21a4',
  },
});