World’s approach to stablecoins is simple: Enable real humans to explore and access the benefits of digital financial tools. And because of its scale, World is well positioned to deliver on this approach with over [insert ticker of users] million real humans participating in World network.
Stablecoins are a revolutionary use case for digital assets. (See our guide for an in-depth explainer.) They radically increase the speed of transferring fiat currencies, such as the US dollar, while simultaneously lowering the cost*. The appeal to big business is obvious, with companies like Walmart and Amazon reportedly exploring stablecoins to lower transaction fees, like those they pay to credit card companies.
But stablecoins are even more important to individuals because they allow them to do three things geographic and economic circumstances might otherwise prevent.
First, people globally can save in a dollar-denominated asset that — precisely because it’s linked to a major world currency — has relatively low inflation. That’s significant for, say, citizens of Argentina, where May 2025’s annual inflation rate registered above 40%. By holding USDC, people’s real savings stay stable instead of dwindling.
Second, they can send money across borders without paying significant fees. Inexpensive remittances have long been a dream of decentralized finance enthusiasts. “Banking the unbanked,” however, has required new tools. Stablecoins provide them by riding along public blockchain rails instead of being beholden to proprietary infrastructure.
Third, they can gain access to DeFi - some decentralized platforms allow users to put stablecoins to use in permissionless markets including lending, borrowing, and liquidity provisioning.
*You’ve heard of the expression “good, fast, cheap: pick two.” Nope, you can have all three.
What’s special about stablecoins on World
All of that is great for stablecoins, but what’s it got to do with World? For starters, real human participants in World network hold nearly 2 million stablecoins. Individuals explore stablecoin functionality through World App and the broader World ecosystem, which includes:
- World App: World App’s UX is designed for humans, not trading algorithms. It’s an easy-to-use portal designed to help users send, receive, and interact with digital assets, including stablecoins.
- Mini Apps: Mini apps are applications largely developed by third parties made specifically for World App. Many are designed to integrate with both WLD and USDC. In other words, they give people ways to use their digital assets in peer-to-peer transactions and participation in DeFi protocols.
- World ID: World’s proof of human technology helps developers to prioritize human engagement over bots. One person, one account. This makes it an attractive landing spot for developers, enabling future growth; if you’re trying to reach people with an app or product, you’ll go where the people are.
- Stablecoin integrations: World has worked directly with stablecoin issuers and developers to provide a streamlined customer experience. In June, Circle upgraded from bridged USDC to native USDC on World Chain, removing extra layers of friction from moving stables.
- Ecosystem Collaborations: Mini apps, such as Morpho Mini App, have integrations compatible with World ID, giving users access to on-chain financial tools within their own wallets.
What’s in the pipeline
Stablecoins are a wonderful innovation, but opportunities for improvement remain. While fees for stablecoin transfers are at or near zero, it still costs people money to exchange them for fiat currencies. For instance, it may cost someone $0.08 for every $1.00 to go from stablecoin to cash.
To solve this, World is pursuing two avenues to make onramps and offramps easier for people to navigate.
In terms of onramps, World is partnering with third-party regulated providers to explore expanded access to US dollar and Euro bank accounts to people outside those jurisdictions. This would allow eligible people to have payments automatically converted into USDC (or, soon, EURC) on World Chain. As for offramps, World is actively exploring local stablecoins. Access to digital versions of local fiat currencies could garner people better exchange rates than what’s available locally, depending on market conditions and onramp provider terms.
As an asset class, stablecoins have swelled to a total value above $250 billion. That number is certainly impressive, but it’s nothing compared to the number of people whose lives it can change. This is just the beginning.
Interested in becoming more familiar with stablecoins? Download the World App and start exploring. Stablecoins are available globally in World App. People can either receive them from other World App users, access and buy them through third-party regulated onramp providers, and more.
Learn more
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You can also join the daily conversation on all World social media channels, or get additional important information concerning the project by reading the World protocol whitepaper.
Disclaimer
This article is for informational purposes only. It does not constitute financial, legal, or tax advice. Availability of services and features may vary by jurisdiction and are subject to local regulations and third-party terms.