Singapore-based payments company dtcpay has raised $25 million in a Series A round, with Japan's SBI Group among the investors. The capital will go toward scaling its product suite and merchant network, including a revamped business portal for enterprise clients. For the average user, this is a signal: stablecoin payment infrastructure is no longer a niche story — it's attracting serious money from major players.
Why this matters right now
Stablecoins stopped being a tool for traders only a while ago. USDT and USDC are increasingly used as a working payment layer: to pay for an overseas subscription, top up a service balance, or send money to a partner without the usual banking friction. When a firm like SBI Group — a heavyweight with a serious financial track record — invests in this space, it confirms that stablecoin settlement is being taken seriously, not dismissed as a passing trend.
What the numbers say
- Amount: $25 million in a Series A round.
- Investor: SBI Group (Japan).
- Use of funds: scaling products and the merchant network, plus a new portal for business clients.
- Company profile: a Singapore-based stablecoin payments service.
For now, the focus is largely B2B: enterprise clients and merchants. But it's precisely the growth of merchant networks that will determine how easy it becomes to pay with a stablecoin in everyday online transactions.
The practical angle: TRC-20 vs ERC-20
If you pay with USDT or USDC, the key question isn't just "where" but "on which network." And the difference is tangible:
- TRC-20 (Tron) — low fees and fast confirmations. Ideal for smaller transfers: paying subscriptions, topping up services, sending money between people.
- ERC-20 (Ethereum) — more widely supported by institutional platforms and DeFi, but fees are higher and depend on network load. Often uneconomical for small payments.
The takeaway is simple: before sending a stablecoin, always check which network the recipient accepts. Sending ERC-20 USDT to a TRC-20 address — or vice versa — can mean losing your funds. Choose the network and fee to match the task: for regular small payments, TRC-20 is usually cheaper and faster.
Investment in stablecoin payment infrastructure is about settlement in USDT and USDC becoming a familiar part of the digital economy rather than an exotic exception.
What it changes for users
A growing number of payment companies and merchants working with stablecoins gradually makes life easier for those paying for overseas services. The more players in the market, the more competition on fees and speed, and the wider the choice of top-up methods. The effect isn't instant, but the direction is steady.
This material is for informational purposes only and is not financial advice. Cryptocurrencies and stablecoins carry market and regulatory risks.
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