Bitcoin is a highly volatile asset. Its price can vary significantly within hours, making it better suited for trading and investments. But it is not ideal for everyday transactions.
On the other hand, stablecoins are designed to hold a stable value, making them a practical choice for everyday activity, including payouts, accepting payments, and global transfers. Whether you're a business or a consumer, stablecoins offer the reliability everyday transactions demand that Bitcoin can't.

Stablecoins are used globally by a wide range of people, including freelancers, remote workers, creators, traders, businesses and global teams. They are especially popular for cross-border payments and global payouts, particularly among consumers and businesses with global connections and strong purchasing power, due to their faster settlement, lower fees, and efficient systems.
Stablecoin adoption is also growing rapidly in developing economies across regions such as Latin America and Africa, where users seek faster, accessible, and stable ways to move and store money.

Yes, and in many ways, it's safer than traditional card payments. Stablecoin payments run on secure blockchain infrastructure trusted globally to move billions of dollars every day. Transactions are transparent, verifiable and secure, making payments fast, reliable and safe.
Cray simplifies the experience and handles the complexity so that merchants can accept stablecoins payments with confidence without having to worry about technicalities.

Stablecoin payments typically settle within seconds.
Unlike traditional payment systems that can take 1-3 business days, Cray merchants receive their funds instantly. This gives them faster access to funds and helps them operate more efficiently

Not with Cray. Merchants don't need to know anything about crypto or blockchains to start accepting stablecoin payments.
Cray works like any other payment app, handling all the complexities of crypto behind the scenes. This allows merchants to focus on running their business, instead of worrying about the technicalities.

Crypto payments allows users to pay using cryptocurrencies such as Bitcoin and Ethereum, or stablecoins such as USDT and USDC, instead of cash and cards. Unlike traditional payment systems, crypto payments don’t rely on banks to process transactions and instead settle directly on blockchain networks.
Crypto payments can be made through websites, QR code scanning, payment links and other digital checkout experiences, similar to any other payment system.
With Cray, merchants can accept crypto payments through QR codes and integrations with their website or app checkout.
Merchant generates a QR code -> Customer scans using their crypto wallet -> Customer approves the payment -> Merchant receives the funds instantly.

Businesses can start accepting stablecoin payments with the Cray app in minutes. We handle all the blockchain complexity, making it as simple as every other transaction. Here's how it works:

1. 1. Simple create an account
2. 2. Enter the amount on the app and generate QR code
3. 3. The customer scans the QR code and approves payment
4. 4. You receive the money directly in your wallet in seconds. Withdraw to your bank account anytime

From luxury brands and restaurants to freelancers and remote workers, stablecoins have become a preferred payment method for a wide range of industries and individuals worldwide.
Institutional momentum is also growing, with major tech companies like Meta rolling out stablecoin payouts to creators.

Yes, crypto payments are legal in Dubai, and businesses can accept crypto and stablecoins within the regulatory framework set by authorities such as the VARA (Virtual Assets Regulatory Authority).
As regulations continue to evolve, Cray is committed to building compliance-focused payment systems and helping merchants navigate changing requirements with greater clarity and confidence.

Paying with stablecoins is simple. Anyone can send payments directly from their crypto wallet, and merchants and recipients can receive them instantly through the Cray app. No banking delays, no expensive wire fees, no waiting.
Just global payments in seconds.

Using stablecoins is the most cost-effective way to send and receive crypto. Unlike bank transfers or card payments, stablecoin transactions are instant, cost minimal fees and can be used worldwide. For example, sending $10,000 in USDC stablecoin on Solana can cost less than $1, compared to wire transfer fees that can run $25-$50 for the same amount.
And Cray is built exactly for this - to enable merchants and recipients to receive stablecoin payments globally at a fraction of the cost.

The best network depends on two things: Low fees and settlement speed. Popular networks for stablecoin transfers include Polygon, Base, Optimism, and Arbitrum, all of which offer low fees and fast confirmation times.
With Cray, you don't have to worry about any of this. We handle the complexity so you can perform transactions without worrying about chain selection or compatibility.

To receive crypto payments, businesses need a wallet. With Cray, we help you set up your non-custodial wallet in minutes without having to deal with blockchain complexity, private keys, or seed phrases.
Once set up, just enter the amount, generate a QR code, and customers pay instantly. You receive the money in your wallet within seconds with the option to withdraw to your bank account anytime. No need to worry about chains, bridges, or token compatibility.

Almost anything! From premium fashion and accessories to food, travel, cars and antiques, stablecoins are increasingly used for everyday purchases worldwide. There's no limit to what you can spend them on.
Freelancers, service providers, and businesses across industries are also accepting stablecoins, making them a genuine alternative to traditional payment methods.

Yes. Stablecoins can be converted into local currencies through exchanges or off-ramp providers. With Cray, merchants can do both - accept stablecoins and withdraw to their bank account, anytime.

Yes. In many countries, users can convert crypto or stablecoins into their local currency and withdraw directly to their bank account through supported exchanges or off-ramp providers. However, withdrawal availability depends on your country's regulations and banking support.

Yes. Stablecoins can be used to pay merchants, freelancers, creators, suppliers, and businesses anywhere in the world. Payments with stablecoins are instant and low-cost. No FX charges, no card fees, no middlemen.
Platforms like Cray simplify stablecoin payments, making it similar to any online payment experience without the complexity of managing blockchains or crypto infrastructure yourself.

Custodial means a third party (like a bank or crypto exchange) holds and manages your funds on your behalf. These companies have complete control and access over your funds and processes your transactions, and you trust them to keep your money safe.
Non-custodial systems are the exact opposite. Users and businesses have complete control and access to their funds through their own wallets, instead of relying on a third party like a bank or crypto exchange to hold and manage their money.

No, Cray automatically manages aggregate balances, multi-chain selection and settlement behind the scenes. Users don’t need to worry about chains, bridges, or token selection during payments.
The payment experience is simple, seamless and instant, allowing merchants and consumers to go about their everyday lives.

Yes, crypto payments are legal in many regions, including the UAE, EU and the United States.
Many businesses and individuals are increasingly using stablecoins for global payments, settlements and everyday transactions due to their speed and efficiency.
Users should always check the regulations applicable in their country before accepting or processing crypto payments.

Compliance is a core pillar of how Cray is built.
We operate under VARA regulations and are designed as a non-custodial payment system, meaning we don't hold or manage merchant funds. We support secure and transparent stablecoin payments while simplifying the complexity of wallets, chains and tokens for merchants.
As regulations continue to evolve globally, we remain committed to building payment infrastructure that real-world businesses can trust and rely on.

Yes, Cray is built with compliance-focused payment infrastructure at its core.
Cray's system supports non-custodial stablecoin payments, transaction screening and transparent payment flows designed to meet evolving global regulatory standards.
At the same time, we preserve the core benefits of stablecoin payments: fast settlement, lower fees, and global accessibility.

The CLARITY Act is a proposed regulatory framework in the United States that aims to establish clearer rules for digital assets and crypto markets. The objective is to define how crypto assets are classified and regulated, giving businesses, developers and users greater legal clarity and confidence when operating in the crypto ecosystem.

Regulatory clarity around stablecoins like USDT could improve institutional adoption, accelerate payment infrastructure development, and give businesses greater confidence in using stablecoins for everyday transactions.