Payzum Blog

Crypto Payments Blog

Non-custodial, crypto-only payments — explained for the operators and developers who actually run the money. Pain, mechanics, and how Payzum solves it.

Stablecoins & markets

Invisible stablecoin payments: 100,000 merchants already "accept" stablecoins — and get nothing for it

On August 19, 2026, Rain's CEO told the Wyoming Blockchain Symposium that stablecoin payments already reach more than 100,000 merchants — without the merchants knowing stablecoins were involved. The tell is in the next sentence: those transactions still settle in about three days through the card network. That is the invisible model of stablecoin adoption: the token moves upstream, between issuers, card programs and networks, and every property that makes stablecoins interesting — finality, speed, cents in fees — is consumed before it reaches the counter. Here is what was said, how the invisible model actually works, who captures the benefit, and what changes when the stablecoin travels the last mile to a wallet the merchant controls.

15 min read
Moving & relocation

Accept crypto payments as a moving company

Moving is the one service people buy while dismantling the banking setup your payment rail depends on: cards flagged mid-relocation, wires from accounts being closed, no local bank at the destination yet. Deposits, pre-move balances, monthly storage and counter sales in stablecoins, settled non-custodially to your own wallet, with one CSV for the crews and the destination agents.

19 min read
Stablecoins & policy

Stablecoins as cash equivalents: FASB's three-part test decides what the dollars on your books are

On August 18, 2026, FASB proposed the accounting rule that decides whether the USDC or USDT a business holds counts as a cash equivalent — or stays a digital asset. The test has three parts, and the least-noticed detail is the one that matters most for merchants: the answer depends on how you hold the token, not just which token it is. The same USDC can be near-cash for one company and something else entirely for its competitor. Here is what FASB proposed, why an accounting exposure draft is merchant news, and what it means if stablecoin revenue settles into a wallet you control.

17 min read
Car rental & mobility

Accept crypto payments as a car rental company

The rental counter is the only checkout where the card is also the security instrument — and both jobs fail on the foreign customer you actually serve. Bookings, deposits, monthly rentals and counter extras in stablecoins, settled non-custodially to your own wallet, with one CSV for the delivery drivers and valets.

20 min read
Payouts & Mass Payments

Stablecoin payout wallet verification: the layer finality made mandatory

On August 20, 2026, Deel — a payroll platform used by more than 40,000 companies across 150 countries — announced that workers who choose stablecoin payouts will verify wallet ownership through Mesh before any money moves. It is a small integration with a large implication. The property that makes stablecoin payouts good for a business paying contractors, affiliates or winners in fifteen countries is the same property that makes a mistyped address permanent. Here is what changed, what actually goes wrong in a payout run, and how to build the check into your own process.

18 min read
Coworking & flex office

Accept crypto payments as a coworking space

Yours is the only local business whose core revenue is a subscription billed to foreigners. Memberships, day passes, meeting rooms and deposits collected in stablecoins, settled non-custodially to your own wallet — and one CSV to pay the cleaners, baristas and event hosts.

22 min read
Agentic payments

The Stripe OpenRouter acquisition: the AI money layer just got bought — and what it means if you sell an API

On August 16, 2026, Bloomberg reported that Stripe had finalised an agreement to buy OpenRouter — the gateway that routes developers and agents across 400-plus AI models — for more than US$7 billion, roughly 5.4× the valuation it raised at three months earlier. Seven months after Stripe bought the usage-based billing company Metronome, the shape of the bet is legible: whoever meters AI consumption gets to bill for it. This is what that means for the people on the other side of the meter — the API, data and tool providers whose calls are being counted.

19 min read
Construction & remodeling

Accept crypto payments as a construction company

A draw that lands three days late doesn't cost you three days — it costs you the crew. Deposits, progress draws and change orders collected in stablecoins, settled non-custodially to your own wallet, plus one CSV to pay every sub on Friday.

22 min read
Stablecoins

Stablecoin payments counterparty risk: Visa is hunting for a new settlement partner because Mastercard bought the last one

On August 18, 2026, CoinDesk reported that Visa has put out a request for proposals for a stablecoin settlement and OTC partner licensed in the United States, Canada, the United Kingdom and Singapore. The vacancy exists because Mastercard closed its acquisition of BVNK on August 3, and BVNK was the firm doing that job for Visa. Nothing broke. No one was hacked. A vendor was simply bought by a competitor — and the largest payment network on earth discovered that its stablecoin leg was a supplier relationship. Here is what that should tell a merchant about the parties standing between 'the customer paid' and 'the money is mine'.

18 min read