Polygon Labs has teamed up with DeCard to enable USDT and USDC holders to spend their stablecoins at over 150 million merchants worldwide.
This integration, revealed on October 29, 2025, represents one of the most significant expansions of stablecoin utility to date.
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Bridging the Stablecoin Utility Gap
Through this collaboration, DeCard—previously known as Diners Club Singapore—has introduced support for the Polygon network. This will facilitate instant deposits of Polygon-based stablecoins into DeCard and DeCard Luminaries accounts.
Customers can now utilize these balances for real-world purchases, effectively connecting blockchain assets with current merchant networks.
Even with a global stablecoin supply surpassing $300 billion, the majority of tokens remain limited to trading or DeFi applications.
Recent market analysis indicates that less than 1% of global money flows currently utilize stablecoins. The DeCard–Polygon partnership aims to change this by transforming stablecoins into common payment methods.
Polygon has rapidly emerged as one of the leading stablecoin networks, supporting around $3 billion in assets and facilitating micro-USDC transactions at fees below $0.001.
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Growing Industry Momentum for Stablecoin Payments
In October, several developments highlighted the shift of stablecoins into mainstream commerce. Western Union is reportedly experimenting with stablecoins for international transfers and remittances.
Simultaneously, Japan has introduced its first yen-pegged stablecoin to facilitate domestic transactions. The global volume of stablecoin transactions has surged 70% this year, indicating growing adoption across various sectors, from e-commerce to luxury travel.
Joan Han, DeCard’s COO, emphasized that the goal of this initiative is to make stablecoin transactions “as straightforward as any other payment method.”
“This partnership makes stablecoins genuinely usable in everyday life. It represents a significant step toward achieving mainstream financial freedom through blockchain technology,” stated Polygon Labs CEO Marc Boiron.
Overall, this move reflects a broader industry trend toward integrating blockchain efficiency with regulated payment systems.
As more merchants and financial entities embrace stablecoin settlement, experts anticipate ongoing growth in cross-border and retail payment applications.
