Real Use Cases

Problem

• Freelancers in countries like Nigeria, Pakistan, or Argentina often wait days or weeks to get paid.
• Once the money arrives, they lose 5–10% due to bank fees, FX spreads, or remittance friction.
• Platforms like PayPal are blocked in many regions, and SWIFT wires are slow and expensive.

Solution

Stablecoins offer a faster, cheaper way for freelancers to get paid — globally and instantly.

With Rehive + Bridge, fintechs can launch a branded product that allows freelancers to:

• Open a virtual USD account (ACH & Wire support)
• Receive and hold USDC in a secure wallet
• Send invoices that accept both fiat and stablecoin
• Off-ramp locally via exchanges or platforms
• Get paid in minutes, not days

Unique Insight

Freelancers can easily connect with leading platforms like Fiverr, Upwork, Freelancer, and Toptal by simply providing their US virtual bank account details — no special integrations needed.

This means they can continue using familiar platforms while gaining the benefits of stablecoin payouts, creating a seamless bridge between traditional freelance marketplaces and digital dollar infrastructure.

Opportunity

According to Zero Hash & Lightspark (2024):

• 93% of freelancers globally want to receive part of their income in crypto
• Over 80% in Argentina and UAE prefer stablecoins over local currency

With freelance markets booming in emerging economies, the demand for USD payments is clear. Stablecoins offer a direct path to meeting it — without the friction of legacy rails.

Problem

• Local currencies in high-inflation economies are losing value fast.
• Argentina's peso lost 50% in one year.
• Nigeria's naira dropped 40%.
• The Turkish lira fell 70% over five years.
• Accessing dollars is hard — U.S. bank accounts are restricted, and fintech apps offering dollar exposure often come with high fees and limited flexibility.

Solution

Stablecoins provide a modern workaround: programmable, borderless, dollar-denominated wallets.

With Rehive + Bridge, you can offer users:

• A virtual U.S. account to receive payments via ACH or Wire
• Auto-conversion to USDC
• A branded wallet to hold, send, or off-ramp dollars
• Real-time FX control with integrated local payout options

Unique Insight

Bridge offers a global virtual card, making it easy for users to spend directly from their USDC balance anywhere Visa is accepted. The card works across multiple markets with a single integration and supports both custodial and non-custodial wallets.

This creates a seamless experience where users can protect their savings in digital dollars while maintaining the convenience of everyday spending — without needing to constantly convert back to local currency. Users can also add their cards to mobile wallets for even greater convenience.

Opportunity

• Stablecoin adoption is surging in unstable economies:
• According to Binance, Nigeria processed $59B+ in crypto (2023–24), led by stablecoins
• Chainalysis reports that in Sub-Saharan Africa, 43% of crypto volume is stablecoins
• Argentina & Brazil have seen over $90B in stablecoin volume
• In Turkey, research shows 3.7% of GDP is spent annually on stablecoin acquisition

Problem

• Sending small amounts of money home is costly and slow.
• According to the World Bank (2023), the average remittance fee is 6.2%
• Transfers take 3–5 days.
• Recipients may not have bank accounts.
• Once received, money can't be tracked or directed toward specific needs.

Solution

Stablecoins let senders directly fund real-world needs — like groceries, mobile data, or electricity — in seconds.

With Rehive + Bridge, you can enable:

• Instant USDC purchases via a virtual USD account
• Programmatic or manual voucher generation (e.g. Bitrefill)
• Direct spend or redemption in the recipient's country
• No banks, no middlemen, no delays

Unique Insight

Services like Bitrefill make it easy to purchase eSIMs, prepaid data, and vouchers at leading stores in 100+ countries directly with stablecoins.

This means users can skip traditional remittance services entirely and directly purchase what their family needs — groceries at Walmart, airtime for their phone, or even Netflix subscriptions — all without requiring the recipient to have a bank account or crypto wallet.

Opportunity

• World Bank data shows the global remittance market exceeds $860B
• 75% of transfers go to essential needs like food, school fees, housing, or medicine.
• Stablecoins make small, purposeful transfers viable — even down to $5 or less.
• They offer more control and immediacy than legacy rails ever could.

Problem

• Platforms that rely on revenue-sharing — music, content, open-source, microservices — struggle with paying contributors in small amounts, especially internationally.
• Challenges include high FX and transfer fees, limited country support from platforms like PayPal, minimum payout thresholds and delays, and batched/manual settlements.

Solution

Stablecoins make it easy to send small payments — instantly and globally — without thresholds or friction.

With Rehive + Bridge, you can:

• Track contributor revenue using a built-in ledger
• Trigger real-time USDC payouts via API
• Let recipients hold, spend, or cash out

Opportunity

• According to industry reports, global creator royalties hit €13.1B in 2023
• Micro-tasking economy expected to grow from $3.1B (2023) to $26.8B by 2030
• Stablecoins unlock programmable revenue-sharing flows that are global by design.
• If your platform monetizes contributions — stablecoins make payouts a differentiator, not a bottleneck.

Problem

• Small businesses in emerging markets often receive international payments in USD but lose value through forced FX conversions, delays, and inflation.
• Many cannot legally hold USD, must convert immediately at poor rates, rely on manual treasury processes, and face 2–5 day settlement delays with 10–15% in total costs.

Solution

Stablecoins let businesses receive and manage USD payments directly — without banks.

With Rehive + Bridge, an SMB can:

• Accept ACH or Wire into a virtual USD account
• Convert to USDC automatically
• Hold stablecoins in a branded wallet
• Convert or off-ramp when needed
• Automate treasury logic, FX timing, and vendor payouts

Opportunity

• SMBs can now operate like global companies:
• Manage FX like a strategy, not a liability
• Hold working capital in stable dollars
• Streamline vendor, payroll, and payout flows
• This makes stablecoins not just a payment method — but a treasury operating system for global small businesses.