Polygon Labs and DeCard have partnered to allow holders of USDT and USDC to spend their stablecoins across more than 150 million merchants globally.
The integration, announced on October 29, 2025, marks one of the largest expansions of stablecoin usability to date.
Addressing the Stablecoin Utility Gap
Through this partnership, DeCard—formerly Diners Club Singapore—has added support for the Polygon network. It will allow instant deposits of Polygon-based stablecoins into DeCard and DeCard Luminaries accounts.
Customers can now use these balances for real-world payments, effectively bridging on-chain assets with existing merchant networks.
Despite a global stablecoin supply exceeding $300 billion, most tokens remain confined to trading or DeFi applications.
According to recent market data, less than 1% of global money flows currently involve stablecoins. The DeCard–Polygon collaboration is trying to change that by turning stablecoins into everyday payment instruments.
Polygon has become one of the fastest-growing stablecoin networks. The blockchain supports roughly $3 billion in assets and powers micro-USDC transactions at sub-$0.001 fees.
Stablecoin Volume On the Polygon Network. Source: DefiLlama
Industry Momentum Toward Stablecoin Payments
October has seen several developments signaling stablecoins’ move into mainstream commerce. Western Union is reportedly testing stablecoins for international transfers and global remittances.
Meanwhile, Japan launched its first yen-backed stablecoin to support domestic payments. The global stablecoin transaction volume rose 70% this year. This shows accelerating adoption across sectors from e-commerce to luxury travel.
Joan Han, DeCard’s COO, said the initiative focuses on making stablecoin transactions “as intuitive as any other form of payment.”
“The collaboration makes stablecoins truly usable in everyday life. It’s a step toward mainstream financial freedom through blockchain technology,” said Polygon Labs CEO Marc Boiron
Overall, the move reflects a larger industry shift toward merging blockchain efficiency with regulated payment systems.
As more merchants and financial institutions adopt stablecoin settlement, observers expect continued growth in cross-border and retail payment use cases.
