Stablecoin startups including Rain and MassPay are bringing digital assets into everyday payments, using connections to traditional payment rails, real-time payment systems and mobile wallets to facilitate sending and receiving funds. Rain launched a digital wallet for stablecoin balances this week, supported by its card-issuing infrastructure, and plans to offer a custodial wallet by year-end. MassPay, meanwhile, serves about 300 businesses and processes tens of billions of dollars annually, with approximately 10% completed in stablecoins and about half involving cross-border payments.
推荐理由：The article compares Rain’s stablecoin payment infrastructure with MassPay’s payout connectivity, and provides customer, geographic and processing-scale details to help assess how stablecoins are being integrated into everyday payments.
稳定币初创公司Rain和MassPay正通过连接传统支付轨道、实时支付系统和移动钱包，扩大稳定币在企业付款、代付和消费者支付中的应用。Rain推出由其发卡支持的稳定币数字钱包，目前采用非托管模式，并计划在年底前提供托管钱包，同时申请OCC national trust charter。MassPay拥有约300家企业客户，年处理金额达数百亿美元，其中约10%以稳定币支付，约一半跨境流动。
Fiserv仍计划推出FIUSD稳定币，但未说明具体时间，并已从与Paxos和Circle合作转向内部开发专有代币。其数字资产平台已上线Bank of North Dakota的Roughrider，为该州约90家银行和信用合作社提供使用；平台基础设施由Fireblocks提供，交易运行在Solana上。Fiserv称，未来FIUSD将支持其客户闭环内转账，并与其他数字钱包互操作。
Fiserv已上线稳定币系统，承载由Bank of North Dakota支持、VersaBank发行的Roughrider Coin，Fireblocks提供数字资产基础设施，交易通过Solana进行。该系统将服务约90家金融机构的银行间转账，并提供稳定币发行、储备、托管和结算基础设施，支持稳定币支付卡、财资自动化、代币化存款和货币兑换。
Latitude Global搭建基于稳定币支付轨道的跨境支付基础设施，称可在不到两分钟内完成支付结算。其网络覆盖约50个国家，并为希望使用稳定币转账的数字银行和其他企业提供法币出入金通道。Latitude支持USDC和USDT，Cyril Mathew称两到三种稳定币已占其交易量的80-plus percent。
Open Standard宣布OUSD稳定币上线，企业可通过Stripe、Coinbase、Mastercard和Visa四条路径接入相关API与工具。所有路径均支持以1:1 USD汇率免费铸造和销毁OUSD，覆盖结算、支付编排、交易、FX、钱包和卡等服务。Stripe用户还可通过Stripe Treasury持有OUSD，并使用稳定币卡消费或将其发送至100多个国家的加密钱包。
Stripe announced support for OUSD across its products and designated OUSD as the default stablecoin configuration. Businesses can receive, hold, send, and spend OUSD through Treasury, and can also use products including Issuing, Global Payouts, Crypto Onramp, and Payments. OUSD is now supported on Base, Ethereum, Solana, and Tempo, while Stripe will continue to allow users to use other stablecoins.
推荐理由：Stripe’s designation of OUSD as the default stablecoin and its integration into products including treasury management, card issuance, and global payouts give businesses a basis for evaluating how to integrate stablecoin operations.