Payments platform Decta has integrated USDC into its internal treasury operations to settle company funds internationally through OpenPayd, without adding stablecoins to its customer-facing payment services.
Summary
- Decta will use USDC to settle its own funds internationally through OpenPayd’s infrastructure.
- OpenPayd will convert Decta’s company funds into USDC through its OTC services for operational settlements.
- The integration is limited to Decta’s treasury operations and will not introduce stablecoins into customer-facing payment flows.
- Decta previously explored issuing a euro-pegged stablecoin under MiCA with France-based Next Generation.
Decta said Tuesday that company funds will be transferred into OpenPayd’s regulated infrastructure, where they can be converted into Circle’s USDC through the financial infrastructure provider’s over-the-counter services before being used for international operational settlements.
The arrangement is limited to Decta’s own money rather than funds handled for merchants or other clients, keeping the stablecoin component behind the company’s existing payments business.
Lux Thiagarajah, chief commercial officer at OpenPayd, told crypto media that the integration represents a proprietary treasury use case and does not introduce USDC into Decta’s customer payment flows.
Using this setup, Decta can move its own funds between international entities, convert fiat into USDC when required and use the stablecoin for settlement through OpenPayd’s infrastructure. The company said the arrangement will support liquidity management while simplifying transfers across its operations.
Decta uses USDC for internal treasury settlements
Decta CEO Scott Dawson said the company is using technology to make its financial operations faster, simpler and more resilient while retaining its existing controls and regulatory requirements.
Rather than allowing customers to pay merchants in stablecoins, Decta is using USDC as an operational settlement asset between parts of its business. Thiagarajah said OpenPayd handles the conversion through its OTC capabilities after Decta transfers its funds into the provider’s regulated infrastructure.
The distinction separates the arrangement from consumer-facing stablecoin payment products because Decta’s clients do not directly interact with USDC as part of the transaction process.
Decta, founded in London in 2015, provides payment processing, acquiring, card issuance, banking infrastructure and related services to businesses. According to the company’s announcement, it operates across 32 countries and serves hundreds of companies.
Its website describes the group as an end-to-end payments infrastructure provider covering acquiring, issuing and processing, with services including payment acquiring, BIN sponsorship, white-label card issuing, issuer and acquirer processing and digital banking infrastructure.
The USDC arrangement adds a blockchain-based settlement rail to Decta’s internal financial operations without requiring the company to change the payment products offered to its customers.
OpenPayd brings regulated USDC conversion into the process
OpenPayd’s role in the arrangement follows the company’s expansion of its regulated digital asset services in Europe.
In June 2026, OpenPayd received MiCA authorization, which allows the London-founded financial infrastructure provider to offer regulated crypto services across the European Economic Area under a single authorization.
The approval covers fiat-to-stablecoin conversions, custody, wallet infrastructure and stablecoin transfers across supported blockchain networks, according to OpenPayd. The company secured the authorization shortly before the European Union’s MiCA transition period ended on July 1.
OpenPayd was founded in London in 2018 and connects traditional fiat payment infrastructure with digital assets. Its client base includes Kraken, eToro, OKX and institutional crypto liquidity provider B2C2, according to the Decta announcement.
Its USDC infrastructure was developed before the MiCA approval. Back in 2025, OpenPayd partnered with Circle to allow clients to convert between fiat currencies and USDC while managing both forms of money through the company’s financial infrastructure.
At the time, the companies said the integration was designed for uses including payments, treasury management and digital asset services. OpenPayd said it processed more than €130 billion annually when the partnership was announced.
The company has since built stablecoin functions that allow businesses to receive, hold, convert and send digital dollars alongside fiat balances. OpenPayd said in February that its infrastructure could also be embedded into existing treasury and payment workflows while supporting cross-border settlement.
Stablecoins are entering corporate treasury workflows
Decta is not the only company testing stablecoins primarily as a treasury tool rather than as a consumer payment method.
In July, Hyundai Motor’s U.S. and Mexican operations completed a $20,000 cross-border treasury transfer using USDT on Avalanche, with the transaction settling in about seven minutes, as previously covered by crypto.news.
Tether said Hyundai Motor America converted dollars into USDT and transferred the tokens to Hyundai Motor Mexico, where the stablecoin was converted back into dollars. Hyundai Card designed the remittance structure while Axiym supplied settlement infrastructure, and the companies kept their existing compliance, accounting and treasury controls in place during the test.
The Hyundai pilot also followed a separate integration between Circle and treasury software provider Kyriba. According to the companies, Kyriba’s corporate clients can manage USDC balances alongside cash positions and use the stablecoin for eligible cross-border and intercompany transactions while retaining existing treasury approval procedures.
Business use of stablecoins has also extended into liquidity management. Bitso Business said in July that stablecoin transaction volume on its platform had increased 81% year over year during the first half of 2026, attributing the increase to demand for real-time settlement, treasury management and cross-border liquidity services. More than 60% of its newly onboarded business clients during the period were financial institutions, including banks and licensed payment providers, the company said.
Decta’s implementation differs from some of those pilots because the company is integrating USDC into an active internal treasury process through an external regulated infrastructure provider rather than announcing a customer stablecoin product.
Decta has previously explored a MiCA stablecoin
The treasury integration follows Decta’s earlier work involving regulated stablecoins in Europe.
In August 2024, Decta Limited and France-based Next Generation said they were exploring the issuance of a euro-pegged stablecoin under the European Union’s Markets in Crypto-Assets Regulation, subject to receiving the necessary regulatory approval.
MiCA introduced specific requirements for stablecoin issuers and crypto service providers across the European Union, while authorization in one member state can allow eligible firms to passport their services across the bloc. The regulatory transition for crypto-asset service providers ended on July 1, 2026.
USDC has remained available within the regulated European market because Circle obtained the required authorization for the stablecoin, while several platforms restricted non-compliant assets as the MiCA transition ended.
For its latest implementation, however, Decta is not issuing a stablecoin or offering one to customers. Its funds are instead sent to OpenPayd, converted into USDC through OpenPayd’s OTC infrastructure and used for Decta’s own international operational settlements before the company continues managing its customer payment services separately.
