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Stablecoins on BNB Chain: Fiat to Crypto and Back
What does a stablecoin's time on BNB Chain look like, from the fiat that buys it to the fiat it becomes again? A joint report by Mercuryo and BNB Chain on how stablecoins are bought, used and sold back into fiat, based on Q3 2026 on-ramp, on-chain, and off-ramp data.
Spot Bitcoin ETFs vs Buying Bitcoin Directly: What It Means for US Crypto Apps
Since January 2024, Americans can buy a spot Bitcoin ETF (exchange-traded fund) through an ordinary brokerage account. The fund holds actual bitcoin and trades like a stock, so it gives investors bitcoin's price next to the rest of their portfolio. The iShares Bitcoin Trust from asset manager BlackRock (ticker IBIT) alone held about $66 billion in October 2026, less than three years after launch, and that scale affects which bitcoin buyers still come to a crypto app. A 2025 rule change then let approved firms swap fund shares for coins, and it left ordinary holders with cash only. With both in place, ETFs now compete with US crypto apps for the buyer who wants bitcoin's price.
How US Payment Giants Are Moving Into Stablecoins, and Which Coins Your App Should Accept
Stablecoins started out as a place to hold value between crypto trades. Now people buy them with the same taps they use for a coffee or a taxi. Our own numbers show how common that has become. In our joint report with BNB Chain, seven in ten stablecoin purchases we processed on BNB Chain in Q3 2026 were paid with Apple Pay or Google Pay. The payment companies behind those taps have followed. PayPal, Visa, Stripe and Mastercard each moved into stablecoins between 2023 and 2026, and for a wallet, exchange or fintech, each move can change which coins to accept, on which networks, and where holders can cash out.
How Do I Accept Crypto Payments as a Business?
Customers are already asking to pay in crypto. In a survey of 619 U.S. payment decision-makers, run by The Harris Poll for the National Cryptocurrency Association in October 2025 and published in January 2026, 88% reported inquiries about paying with crypto. Those requests are also frequent, with 69% saying they come at least once a month. Even so, only 39% of the merchants surveyed accept crypto today, from 50% of large companies (revenue above $500 million) to 34% of small businesses and 32% of midsize firms.
What Types of Web3 Apps Use an On-Ramp?
To take a card payment or a local bank transfer from a new user and deliver crypto inside the app, a Web3 app uses an on-ramp, also called a fiat-to-crypto gateway. A wallet needs an on-ramp that can compete on its buy screen, a game needs one specific token delivered, and a tipping app needs it to handle small amounts. Those differences come up across our own partners. Mercuryo works with more than 500 companies across these app types, and several sections below draw on campaigns and integrations we ran with them.
GENIUS Act Rules: What Treasury, the OCC and the Fed Have Proposed So Far
From 2027, whether a US user can buy USDT, the largest stablecoin by circulation, inside a wallet app depends on a federal law, the GENIUS Act, and on rules that agencies are still writing. Those agencies missed their July 2026 deadline to finish them, and the law's dates for platforms hold anyway.
What Is the SEC's Role in Crypto? How US Securities Law Applies in 2026
For a decade, the SEC, the US Securities and Exchange Commission, offered no formal definition of which crypto assets it regulates. That changed in March 2026, when the SEC and the Commodity Futures Trading Commission (CFTC) issued a joint interpretation that sorts crypto assets into five categories and names 16 tokens as digital commodities. For anyone building a crypto product, that sorting answers the first question about any token you list, sell, or pay out: does US securities law apply to it? This guide covers where the lines sit, how firmly each one is drawn, and what the SEC leaves to other rules.
Prediction Markets and US Law: How Regulation Separates Kalshi and Polymarket
Search for whether Kalshi or Polymarket is legal in the US and you get two answers that contradict each other. Both have court rulings behind them, and which one applies to you depends on the state you live in. On a phone, the two apps look alike. What separates them is legal history, and it explains why one of them spent years locked out of the country while the other kept trading at home.
How Do I Add a Fiat-to-Crypto On-Ramp to My App via API?
A shop that doesn't take cards sends customers to the cash machine across the street, and some of them don't come back. An app without an on-ramp does the same thing. The user buys crypto somewhere else, and the wallet they fill there is the one they keep using.