Across Latin America, a growing number of companies are adopting stablecoins as a key tool for making international payments. It is no longer a technological novelty: it is a practical necessity.

Entrepreneurs are discovering that stablecoins (like USDC) offer a more agile, secure, and efficient way to access foreign currencies, send money abroad, and receive payments from other countries. Behind this trend is a common economic context in the region: currency restrictions, inflation, banking bureaucracy, and an urgent need for modern solutions.

What are stablecoins and why are they being used for payments?

Stablecoins are cryptocurrencies whose value is linked to that of a traditional currency, such as the U.S. dollar. Unlike other cryptocurrencies, their value is stable and predictable, making them an ideal medium for making payments or storing value without exposing oneself to market volatility.

The use of stablecoins allows for:

• Making faster payments than traditional bank transfers.

• Operating 24/7, without depending on bank hours or holidays.

• Obtaining better exchange rates.

• Bypassing restrictions on access to the dollar or euro imposed by governments or central banks.

• Having traceability and security thanks to blockchain technology.

Now, let’s see how this need manifests in some key countries in the region.

🇦🇷 Argentina: surviving the currency clamp

Although in Argentina the trend is to move towards total liberation for the foreign exchange market, there are still restrictions such as making advance payments. As of today, companies cannot make payments of more than 20% of the total upfront. This represents a problem since many suppliers, for instance, Chinese ones, do not sell their merchandise without having 100% of the payment in advance.

👉 Many turn to stablecoins like USDC to accelerate payments, avoid delays from the BCRA, and have greater operational predictability.

🇧🇴 Bolivia: no direct access to the foreign exchange market

In Bolivia, the dollar market is highly regulated and lacks liquidity. Sending money abroad through traditional channels is slow, expensive, and often uncertain.

👉 Exporting and importing companies find in stablecoins a faster and more reliable way to meet commercial commitments and receive payments from abroad, bypassing the limitations of the local financial system.

🇧🇷 Brazil: agility in a traditionally bureaucratic system

Although Brazil has a more developed financial system, it is still bureaucratic and costly to make international payments. Many tech entrepreneurs and exporting SMEs already use cryptocurrencies as a way to receive payments without friction, especially from the U.S. and Europe.

👉 Stablecoins allow you to avoid high fees and receive money in minutes instead of days.

🇲🇽 Mexico: a natural bridge between LATAM and the United States

Mexico is one of the world's largest recipients of remittances and a natural business hub with the U.S. Mexican companies use stablecoins not only to send money but also to receive payments from abroad without relying on intermediary banks.

👉 Stablecoins help improve margins, accelerate collections, and gain operational independence.

🇻🇪 Venezuela: surviving without a functional banking system

In a context of hyperinflation, capital controls, and a weakened banking system, Venezuela is one of the countries that has most adopted stablecoins as an economic alternative.

👉 For many companies and freelancers, receiving payments in stablecoins is the only viable way to operate internationally.

Conclusion: stablecoins as a regional solution, not a trend

What began as a tool used by early adopters or technology experts is now a concrete and increasingly common solution among Latin American companies that need to move money overseas or collect in foreign currencies.

Stablecoins like USDC are proving to be:

✅ Secure
✅ Fast
✅ Traceable
✅ Accessible

And most importantly: adapted to the economic realities of our region.

🔍 If your company needs to send or receive international payments more efficiently, understanding how this technology works can be a turning point.

💡 At Loula, we connect LATAM companies with the world through modern financial infrastructure based on blockchain, complying with high compliance standards and working with regulated banking partners.

👉 Request a quick demonstration at getloula.com/en/join