Onchain Payments Matrix: A Coordination Infrastructure for Stablecoin Payments

Over the past few years, we've watched stablecoins quietly become one of the most important financial technologies in the world. In 2025 alone, global stablecoin transaction volume surpassed $33 trillion. Crypto card spending grew 525% year over year. More people began using stablecoins not to speculate, but to pay, send, and settle value across borders.

But scale alone doesn't create usability.

Behind the growth, payments remain deeply fragmented. Banks, card networks, blockchains, and regional systems still operate in silos, each on separate rails. Stablecoins may move instantly onchain, but bridging them smoothly into everyday financial systems has remained complex and inconsistent.

The industry didn't lack infrastructure—it lacked coordination. The pieces existed, but they weren't designed to work together seamlessly. What was missing was a unifying layer that could connect fragmented rails, abstract blockchain complexity, and make stablecoins function effortlessly in the real world.

So we built it.

Today, we're introducing the Onchain Payments Matrix—a coordination infrastructure designed to connect global financial rails and support stablecoin payments across both everyday consumer use and emerging agentic economic activity. It's the live engine that makes stablecoins function as practical, everyday money.

The Onchain Payments Matrix connects blockchains, stablecoin issuers, card networks, liquidity providers, banks, and merchants into one unified coordination layer. Instead of forcing users to understand how value flows across multiple systems, we abstract that complexity at the wallet interface. Behind a simple payment experience, the Matrix routes transactions, coordinates liquidity, and manages settlements across global and local rails in real-time.

And this is already happening at scale inside real-world financial systems. The Matrix has processed more than 155 million stablecoin transactions totaling $177B+ in volume, linking more than 90 million users with 150 million merchants across hundreds of markets. It also plans to introduce programmable account and settlement capabilities for AI agents, positioning stablecoins as a foundational layer for both real-world and machine-enabled commerce.

The Matrix builds on our integrations with Mastercard, Visa, Tether, Circle, MoonPay, and many other ecosystem participants. Here's what that coordination enables inside Bitget Wallet:

The Matrix coordinates the movement of value so users can simply tap, scan, transfer, or spend without needing to think about which rail is being used behind the scenes.

If stablecoins are going to serve billions of people, they must integrate into existing financial systems rather than operate parallel to them. They need to move through banks, across borders, into card terminals, and into merchant systems as naturally as traditional money does. The Onchain Payments Matrix is our answer to that challenge. It reduces friction, lowers operational barriers, extends settlement capabilities to support agentic transactions, and transforms stablecoins from a digital asset into usable, programmable money.

We plan to expand the Matrix through deeper integrations with global settlement networks, additional banks, and more stablecoin issuers. We'll continue extending regional payment corridors and working closely with ecosystem partners to drive broader stablecoin adoption worldwide. At the same time, we're strengthening programmable payment infrastructure to prepare for a world where not only people, but also AI agents, can transact seamlessly onchain. Our ambition is long-term: to build a coordination infrastructure that supports cross-border settlement and programmable money on a global scale.

The Onchain Payments Matrix is the foundation for that future and we're proud to be building it.

Visit the Onchain Payments Matrix website to learn more.

Bitget Wallet is an everyday finance app designed to make crypto simple, secure, and usable in daily life. Serving over 90 million users worldwide, it offers an all-in-one self-custodial platform to send, spend, save and invest crypto. The app is powered by Onchain Payments Matrix, a coordination infrastructure connecting global financial rails to enable stablecoin payments at scale and programmable settlement for AI-driven transactions. Users can access crypto cards, QR payments, bank transfers, on- and off-ramps, and an in-app marketplace to spend digital assets across online and offline merchants. Backed by a $700 million user protection fund, Bitget Wallet supports faster, borderless onchain finance while ensuring users retain full control of their assets and private keys.

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