Some thoughts on stablecoins and why SaaS companies should care

Alright, hear me out. SaaS companies should probably start thinking about ditching credit cards and moving to stablecoin payments. Not today, not next quarter, but soon-ish. Because credit cards are a scam. Okay, maybe not a scam, but a wildly outdated and stupidly expensive tax on software businesses.

// No banks. No middlemen.

pragma solidity ^0.8.19;

interface ERC20 {
    function transferFrom(address, address, uint256) external returns (bool);
}

contract Trustless {
    ERC20 public usdc;
    address public owner;

    constructor(address _usdc) {
        owner = msg.sender;
        usdc = ERC20(_usdc);
    }

    function pay(uint256 amount) external {
        require(usdc.transferFrom(msg.sender, owner, amount), "Payment failed.");
    }
}

Think about it: every time someone pays you, 2.9% + $0.30 disappears into the pockets of banks and payment processors. On a $100 subscription? That’s $3 gone. Multiply that by thousands, and suddenly you’re just working for Visa and Stripe. And that’s before you deal with failed payments, chargebacks, disputes, fraud. Fun times.

Enter stablecoins. USDC, PYUSD, whatever comes next. They settle instantly, cost basically nothing to move, and don’t do the whole "Oops! Your payment is pending for 3-5 business days" thing. It’s just… better money infrastructure. Imagine SaaS revenue that moves in real-time. Imagine subscriptions that can’t fail because a bank randomly flagged a customer’s payment as suspicious.

But yeah, I know, I know—nobody has wallets. That’s the problem. Right now, telling your customers to pay in stablecoins is like asking them to fax you a check. The UX for crypto payments is still hot garbage. Most people aren’t set up to send USDC, and asking them to do so is a great way to lose customers.

So, what’s the move? First, start watching the space. PayPal’s already on this with PYUSD. Stripe just acquired Bridge, which sure looks like a “let’s figure out how to integrate stablecoins into payments” play. Big players are setting up the rails, and the moment they make it easy for normies, the floodgates open.

Second, start experimenting. Maybe it’s offering stablecoin payments for international customers to avoid FX fees. Maybe it’s giving enterprise customers a “pay in USDC, save 2%” option. Maybe it’s just holding some revenue in stablecoins instead of letting banks sit on your money. The point is: start somewhere.

Because in a few years, SaaS companies that are still paying 3% to process payments will look like e-commerce brands that refused to offer free shipping. Stablecoins aren’t here yet for mass adoption—but when they are, you don’t want to be the last one standing in the credit card graveyard.