When The Wall Street Journal reported that Amazon and Walmart are exploring the use of stablecoins, the reaction across the payments world was palpable. Household names are taking stablecoins seriously! And for those of us working on enterprise payment infrastructure, brands entering the stablecoin conversation felt more inevitable than it did surprising.
What was surprising was that the conversation for brands like Amazon, Walmart, Sony, and Expedia are starting with issuing their own stablecoins.
Issuing their own stablecoins offers brands a chance to own more of their financial ecosystem. A branded stablecoin can strengthen customer loyalty while reducing fees, streamlining treasury operations, and maintaining control over data and experience.
And as a Marketer, I think it’s fair to say that big names love the draw of a coin with their brand on it.
But the reality is, issuing your own stablecoin comes with a lot of complexity.
It’s not just a tech project, it’s a regulated financial activity. So while it may make sense for companies that already issue private-label financial products, most enterprises will be facing new regulatory, technical, financial, and reputational risks.
Issuing your own stablecoin means becoming a regulated financial entity. That’s a major shift in scope for brands who are the best at what they do.
Or, your org can gain the benefits without the burdens.
For most businesses, the smarter move is to partner with regulated infrastructure providers and plug into existing stablecoins, gaining the benefits of speed, cost savings, and programmable money without trying to reinvent the entire financial stack.
At Rail, this is what we do every day. Help companies unlock the benefits of stablecoins by using regulated stablecoin infrastructure to power real-world treasury and payment use cases across borders.
Here’s why enterprise interest is growing and how your business can stay ahead — no stablecoin issuance required.
Stablecoins are digital tokens backed 1:1 by fiat currency, such as the U.S. dollar or euro. Unlike volatile cryptocurrencies, stablecoins are designed to hold steady value — and can be used to move money faster and more cost-effectively than traditional banking rails.
For companies like Amazon, Walmart, and Expedia, the appeal is clear:
These aren’t vague crypto concepts, they’re provable operational advantages that benefit the bottom line.
Most enterprise payment systems still rely on legacy infrastructure. When the finance team needs to send a payment, they have to utilize a web of intermediaries, navigate delayed settlements, and pay high transaction fees. For companies with large global footprints or complex B2B payment needs this pain compounds exponentially. It’s not uncommon for large retailers (like the ones making their own stablecoin plans) to be paying millions and even billions of dollars in fees annually, not to mention the efficiencies and human time lost managing the complicated follow ons.
Payment teams working with stablecoin-enabled infrastructure, on the other hand...
Today, our clients harness these benefits without needing to issue their own coins or overhaul their tech stack. Our API-first platform supports regulated stablecoin and fiat payment flows that unlock speed and optionality, without taking on the burden of becoming a financial entity.
One of the most important signals in the current news cycle isn’t just who’s exploring stablecoins…it’s why now. Legislative progress on the GENIUS Act and STABLE Act is creating the kind of regulatory clarity that enterprise finance and compliance teams need to confidently move forward.
I strongly believe that “regulation unlocks trust” for large corporations and enterprises. Businesses weren’t avoiding stablecoins because the tech didn’t work, they simply didn’t know if they could trust the system around them. Regulation changes that. It sets clear rules for who can issue stablecoins, how they’re backed, and what protections are in place. That unlocks confidence for enterprises, fintechs, and even banks to start using them. Regulation tells even the largest brands that it’s safe to build.
As that clarity arrives, companies that have already explored stablecoin integrations will have a competitive advantage in strategic flexibility.
While headlines tend to focus on who’s issuing stablecoins, the real transformation is happening beneath the surface in the infrastructure that makes these systems work at scale.
At Rail, our goal is to help every business move money anywhere in the world — instantly and reliably. That’s why we focus on building the infrastructure layer that connects traditional finance with stablecoin-powered innovation, without needing businesses to become issuers or fintechs themselves.
Our platform is designed to make stablecoin adoption simple, compliant, and enterprise-ready. We enable businesses to:
We’re already powering stablecoin infrastructure for clients in sectors like fintech, global marketplaces, logistics, and supply chain, where the ability to move money faster, cheaper, and more transparently creates a real competitive edge.
Whether you're looking to reduce vendor payout delays, simplify cross-border payments, or future-proof your treasury operations, you don’t need to issue a stablecoin to unlock the value. You just need the right infrastructure — and that’s exactly what Rail was built for.
Amazon and Walmart are known for being early adopters of technology that gives them an edge. Their interest in stablecoins isn’t a trend — it’s a sign that enterprise payments are entering a new phase.
You don’t need to issue your own coin to benefit. But you do need a strategy.
Rail is here to help your business plan, integrate, and scale using stablecoin infrastructure built for enterprise-grade payments.
Want to learn more? Get in touch or explore how Rail powers stablecoin and cross-border payment solutions that move at the speed of business.
You don’t need to issue a stablecoin to unlock the value, you just need the right infrastructure. And that’s exactly what Rail was built for.
.svg)
.svg)
