Why accept USDC? The case for Circle's stablecoin vs other stablecoins

USDC is Circle's US-dollar stablecoin, and it is among the most widely held and broadly supported. For invoicing, dollar stability plus that reach makes it hard to argue with.

Why invoice in USDC?

• It holds its value. USDC tracks the US dollar 1:1, so your invoice is worth the same when it's paid as when you sent it.
• You can see the backing. Circle publishes regular third-party attestations of USDC's reserves, which sit in cash and short-dated US Treasuries.
• Almost everyone already has it. USDC is supported across a huge range of wallets and exchanges, so odds are your customer holds some already.
• It's fast and cheap on Stellar. Brionic takes USDC on Stellar, where it clears in seconds for a fraction of a cent and reconciles on its own via a memo.

USDC vs other stablecoins

The usual alternative is USDT (Tether), which carries the largest market cap. USDC's reputation rests on transparency and a regulated posture: frequent public attestations and a US-regulated issuer. That is why plenty of businesses reach for it when money is coming in. The other dollar stablecoin Brionic supports is RLUSD from Ripple; the USDC vs RLUSD piece puts them head to head.

USDC vs volatile crypto

The edge over something like XRP, XLM, or Bitcoin is no price risk. A $1,000 USDC invoice is $1,000 when you send it and $1,000 when it clears. If a client is nervous about crypto swinging around, a stablecoin removes that worry while keeping the speed, low fees, and finality of an on-chain payment.

One-time setup: the trust line

USDC on Stellar is an issued asset, which means any wallet that holds it needs a one-time trust line to Circle's issuer. Brionic walks you through adding it once on your receiving wallet; after that, every USDC invoice just works.

Get paid in USDC

Create an invoice in USDC (or in dollars, at 1:1), share a scan-to-pay link, and let it reconcile itself. Flat monthly pricing, and every payment is yours to keep. Create your account to start.