We’re sure you’ve noticed that Stablecoins have moved from just some crypto tool to core financial infrastructure.
In 2026, businesses are looking beyond using existing stablecoins and toward launching their own branded digital currencies. In response to this demand, Coinbase has introduced Stablecoin-as-a-Service, a solution that allows partners to create custom stablecoins backed by trusted blockchain infrastructure.
In this article, we explain what custom stablecoins from Coinbase are, how Stablecoin-as-a-Service works, and why this model is shaping the future of digital payments and on-chain finance.
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What Are Stablecoins and Why They Matter
Stablecoins are digital assets pegged to the value of a fiat currency (like the US Dollar or Euro) or a commodity (like gold). Unlike volatile cryptocurrencies such as Bitcoin or Ethereum, stablecoins maintain a relatively fixed value, making them ideal for everyday transactions, remittances, and savings.
In 2026, major stablecoins like USDT (Tether), USDC (Circle), and DAI (MakerDAO) remain dominant, but newer entrants like PayPal USD (PYUSD) and First Digital USD (FDUSD) are gaining traction, offering better transparency, regulatory compliance, and real-world integration.
USDC, one of the most widely used stablecoins, is a prime example of how stablecoins can scale globally. Issued by Circle in collaboration with Coinbase, USDC has become a trusted medium of exchange across multiple blockchain networks. Its success laid the foundation for broader stablecoin adoption among institutions.
Coinbase and the Rise of Stablecoin-as-a-Service
Nowadays, Coinbase is expanding its role in the blockchain ecosystem by offering Stablecoin-as-a-Service to businesses.
Instead of issuing a stablecoin independently, companies can leverage Coinbase’s infrastructure to launch and manage their own tokens.
This service removes many technical and regulatory barriers that traditionally slow stablecoin development.
Now, partners can focus on product strategy and use cases, while Coinbase handles core blockchain operations, compliance tooling, and token lifecycle management.
How Stablecoin-as-a-Service Works
Token Creation and Blockchain Deployment
Through Stablecoin-as-a-Service, businesses can create a custom stablecoin deployed on supported blockchain networks. Coinbase provides the tooling to mint, burn, and manage token supply, ensuring transparency and operational stability.
Compliance and Reserve Management
A critical component of any stablecoin is trust. Coinbase’s approach emphasizes compliance-ready infrastructure, reserve transparency, and auditability. This is especially important for enterprises operating across regulated markets.
Integration with Existing Crypto Infrastructure
Custom stablecoins built through Coinbase can integrate seamlessly with wallets, exchanges, and on-chain applications. This makes them usable for payments, rewards, settlements, and internal accounting from day one.
Why Businesses Are Exploring Custom Stablecoins
Branded Digital Payments
Launching a proprietary stablecoin allows businesses to create a branded payment experience while maintaining price stability. This is particularly attractive for fintech platforms, marketplaces, and global service providers.
Faster and Cheaper Transactions
Stablecoins operating on blockchain networks enable near-instant settlement and lower transaction costs compared to traditional banking rails.
On-Chain Liquidity and Programmability
A custom stablecoin can be embedded into smart contracts, loyalty programs, and automated workflows. This programmability opens new opportunities for tokenized finance and Web3-native business models.
The Role of USDC in Coinbase’s Strategy
USDC remains central to Coinbase’s stablecoin ecosystem. It serves as a proven reference model for reliability, liquidity, and regulatory alignment.
Many partners adopting Stablecoin-as-a-Service see USDC as a benchmark for how a compliant stablecoin should operate.
By extending this model to custom stablecoins, Coinbase enables businesses to benefit from the same design principles while maintaining control over branding and distribution.
Conclusion
To sum it up, Coinbase’s Stablecoin-as-a-Service signals a shift toward modular, enterprise-ready blockchain infrastructure. By lowering the barrier to launching custom stablecoins, Coinbase is accelerating the adoption of stablecoin-based payments and on-chain finance.
If you’re building a product that uses stablecoins, the next step is enabling users to interact with them seamlessly!
Our white-label crypto wallet solution supports stablecoins across multiple blockchain networks and enables staking integration, allowing you to launch faster and scale securely. Contact our team to build a wallet tailored to your business needs.