Stabilize Your Business Earnings: How Stablecoins Protect Revenue from Crypto Volatility

Cryptocurrency volatility refers to sharp and unpredictable fluctuations in their market value, which can change the value of an asset by 10–20% or more in a matter of hours. For businesses that accept payments in digital currencies, this instability poses serious risks: loss of real revenue value, difficulties with financial planning and accounting, and a decline in customer confidence.

Stablecoins solve this problem by acting as a ‘stabiliser’ — their value is pegged to stable assets (fiat currencies, commodities, or algorithmic models), which preserves the purchasing power of funds and ensures the predictability of cash flows. The use of stablecoins in payment systems allows companies to take advantage of blockchain technologies (speed, transparency, global access) while protecting their revenue from market fluctuations.

The problem of cryptocurrency volatility and its consequences for business

Volatility in crypto refers to sharp and often unpredictable changes in the prices of digital assets. Unlike traditional fiat currencies, cryptocurrencies can lose or gain significant value in a matter of minutes or hours.

According to CoinDesk Indices data for 2024, the average monthly volatility of Bitcoin reaches 15–20%, and that of altcoins reaches 30–50%. For businesses, this means a real threat of losing a significant portion of their revenue when accepting payments in cryptocurrency.

Loss of real value

When a company receives a payment in a highly volatile cryptocurrency, its purchasing power can change dramatically before it is converted into fiat. For example, a $10,000 payment in Bitcoin can lose 10-20% of its value in a matter of hours during periods of high volatility in crypto assets.

According to Glassnode, during periods of market turbulence, Bitcoin's average daily fluctuations reached ±12%. For a company with a daily turnover of 100 BTC, this meant a potential loss in dollar terms.

Financial planning difficulties

The unpredictability of asset values makes accurate budgeting, forecasting, and long-term planning impossible. Monthly revenue forecasts lose their reliability.

Typical problems:

• inability to fix the contract value in cryptocurrency;
• difficulties with calculating margins;
• uncertainty in forming reserve funds.

Accounting difficulties

Constant fluctuations in value complicate accounting, tax reporting, and financial audits. Companies are forced to regularly revalue their crypto assets, which leads to an increase in administrative burden and risks of non-compliance with regulations.

Key challenges:

• the need for daily revaluation of assets;
• complexities in accounting for exchange rate differences;
• ambiguity in tax accounting across different jurisdictions.

Negative impact on customers

Price volatility undermines consumer confidence. Customers may postpone purchases for fear that the payment amount will change before the transaction is confirmed.

Statistics show:

• 68% of buyers abandon their purchases when prices fluctuate by more than 5% (Deloitte study, 2024);
• the average rate of abandoned shopping carts in crypto stores reaches 40% due to volatility;
• the time it takes to make a purchase decision increases by 30-50% in an unstable market.

There is a solution to this problem. Stablecoins act as a bridge between the traditional financial system and the world of cryptocurrencies. 0xProcessing has developed solutions that allow companies to take advantage of blockchain technology while minimising the risks of price fluctuations.

What are stablecoins and how do they solve the problem?

Stablecoins are digital currencies whose value is pegged to reserve assets: fiat currencies, commodities or algorithmic models. They combine the advantages of cryptocurrencies (speed, transparency, global access) with the stability of traditional money.

Examples of popular tokens:

• USDT (Tether) – pegged to the US dollar at a 1:1 ratio (1 USDT = $1), ensuring exchange rate stability. Issuance is backed by reserves, including cash and short-term instruments.
• DAI – an algorithmic stablecoin that maintains its value through complex economic models and collateral mechanisms. It operates on the MakerDAO protocol and uses overcollateralised loans to maintain its peg to the US dollar.
• EURT – a stablecoin pegged to the euro, providing stability for the European market. It allows businesses in the EU to minimise currency risks in international settlements.

Unlike highly volatile cryptocurrencies (such as Bitcoin or Ethereum), stablecoins minimise price fluctuations, making them ideal for everyday transactions and business operations.

Price stabilisation mechanisms:

• Fiat collateral (USDT, USDC) – each token is backed by an equivalent amount of fiat currency in bank accounts.
• Crypto collateral (DAI) – the stablecoin is backed by cryptocurrency assets with a collateral ratio of 150–200%.
• Algorithmic stabilisation – the use of smart contracts to regulate issuance based on demand.
• Hybrid models – a combination of several mechanisms to increase stability.

This makes stablecoins a universal solution for businesses that want to integrate cryptocurrency payments but are hesitant due to high volatility.

How automatic conversion to stablecoins works

0xProcessing offers simple integration of stablecoin conversion into your payment infrastructure:

1. The customer selects a cryptocurrency for payment (e.g. BTC, ETH).
2. Our system instantly converts the received amount into the selected stablecoin at the current market rate.
3. The balance in stablecoins is stored in your merchant account, retaining its value.
4. You can withdraw funds to a bank account in fiat currency or use them for other crypto operations.

This process takes place in real time, eliminating the risks of cryptocurrency volatility between the receipt of payment and conversion to fiat.

0xProcessing supports automatic conversion of cryptocurrency to USDT stablecoin (ERC20, TRC20, BEP20). The minimum conversion amount is $10 for each cryptocurrency. Funds are credited to a separate account (VRCS). From there, you can automatically convert at least $100 to the seller's account. Funds can only be converted to stablecoins before they are credited to the seller's wallet. If they were not credited as stablecoins, they must first be withdrawn in order to be converted to stablecoins.

Advantages of using stablecoins for business

Crypto coins with high volatility prevent entrepreneurs from using digital assets as a means of accepting payments or making payments. With the advent of stablecoins, there are fewer problems, so businesses have gained several advantages from using stable coins for settlements.

The main advantages are:

• Financial stability. Protection of revenue from market fluctuations. Your income retains its value regardless of the state of the crypto market.
• Simplicity of accounting. Stable values simplify accounting. There is no need for constant revaluation or complex hedging strategies.
• Improved customer experience. Predictable prices and payment terms increase customer trust and conversion. All transactions are recorded on the blockchain, ensuring full traceability, which protects the interests of both the business and its customers.
• Fast payment processing. Blockchain transactions are processed in minutes, unlike international bank transfers that take several days.

These are not all the benefits that can be gained from using cryptocurrencies. Digital assets erase borders and allow businesses to enter the global market. It is possible to use stablecoins to accept payments from customers in Europe, the US, Asia and other regions.

By choosing 0xProcessing as a payment gateway, businesses get another advantage – lower fees compared to traditional payment methods.

What are the risks associated with using stablecoins?

Despite the significant advantages, businesses should consider the potential risks:

• Centralisation of issuers – many stablecoins depend on single organisations that manage reserves. Possible solutions: diversification across issuers, use of decentralised alternatives.
• Regulatory uncertainty – changing legislation in different jurisdictions may affect the use of stablecoins. Recommendations: monitoring the regulatory environment, legal advice.
• Technical failures – errors in smart contracts or network problems may temporarily disrupt operations. Precautions: use of proven protocols, backup payment channels.
• Collateral risks – mismatch between reserves and declared issuance. Recommendations: verification of issuer audits, selection of stablecoins with transparent reporting.
• Liquidity – potential problems with withdrawing large amounts. Solution: pre-agree limits with the provider.

At 0xProcessing, we minimise these risks by working only with trusted stablecoin issuers and maintaining a robust technical infrastructure.

How to integrate into business processes?

Implementing stablecoin payments with 0xProcessing is simple:

1. Register on the website. Provide your name, email address, company name, website, and contact details: WeChat, WhatsApp, Telegram. Also provide information about your business type and turnover. At 0xProcessing, the higher the turnover, the cheaper each transaction.
2. Integrate our payment gateway into your website or application. Obtain API keys, configure a web interceptor, or integrate a payment form.
3. Start accepting payments in stablecoins.

Our API supports major e-commerce platforms.

Who benefits most from using stablecoins

Stablecoins are particularly beneficial for the following business categories:

• Online stores and marketplaces. Reduce abandoned carts and expand your sales geography without currency risks.
• SaaS and subscription service providers. They receive predictable regular income in a stable currency and the ability to scale globally without opening local accounts.
• Freelancers and agencies. They receive stable payments from international clients without conversion losses and shorter payment times.
• Gaming platforms and NFT marketplaces. Advantages include instant settlements between participants, protection from volatility when trading digital assets, and the convenience of withdrawing funds in fiat.
• Content creators and media. They receive micropayments from a global audience and automate payments to authors through smart contracts.

Representatives of other business sectors can also use stablecoins. The main desire is to integrate a new payment method with the ability to protect against high volatility crypto.

Conclusion

According to OKX.com, the stablecoin market will grow to $500 billion by 2026. Key drivers:

• Regulatory clarity: adoption of stablecoin laws in the EU (MiCA), the US and Asia.
• Institutional adoption: banks and payment systems are implementing stablecoins for cross-border settlements.
• Technological innovation: the development of L2 solutions (Optimism, Arbitrum) reduces fees and increases speed.
• CBDC integration: Central bank pilot projects to peg digital currencies to stablecoins.

Recommendations for businesses: Monitor regulatory changes in your jurisdictions, diversify stablecoins in your payment system, and test new networks to reduce costs.

In an era of cryptocurrency volatility, stablecoins provide the stability businesses need to thrive in the digital economy. With solutions from 0xProcessing, you can:

• protect your revenue from market fluctuations;
• optimise financial operations;
• expand your customer base globally;
• prepare your payment infrastructure for the future.

Visit 0xProcessing today to access the platform, consult with an integration expert, and start accepting stablecoins.

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