Stablecoin Payments API

Stablecoins are becoming the backbone of cross-border payments, offering faster, cheaper, and more reliable transactions compared to traditional rails.

Benefits of Stablecoin Payments

• Instant Settlement – no waiting days for clearing.
• Lower Fees – fewer intermediaries and reduced transaction costs.
• Transparency – payments are traceable in real time.
• Liquidity & Automation – smoother treasury management and payment flows.

High-speed networks like Solana and Layer 2 chains (Arbitrum, Base) make stablecoin payments even faster, cheaper, and more user-friendly.

Challenges in Stablecoin Payments

Despite their advantages, stablecoin systems face critical challenges:

• Global Scalability – infrastructure must handle millions of transactions reliably.
• Regulatory Compliance – AML/KYC, fraud detection, and monitoring are mandatory.
• Real-Time Visibility – merchants need instant confirmation of payments.
• Multi-Chain Complexity – interoperability across multiple blockchains is essential.

How Bitquery Powers Stablecoin Payments

Bitquery provides data infrastructure that makes stablecoin payments practical and scalable:

• Real-Time Payment Detection
  Instantly identify incoming stablecoin transfers as they hit the blockchain.

• Mempool Visibility
  See payments before they are confirmed, improving speed and user experience.

• Multi-Chain Support
  Expand payments to multiple blockchains without rebuilding infrastructure.

• Scalable APIs & Streams
  Serve thousands of merchants with reliable, production-grade infrastructure.

👉 Bitquery’s Stablecoin APIs & Streams deliver comprehensive real-time stablecoin transfer data.

Stablecoin Payment API Examples

1. Listening to All USDT and USDC Payments on Solana

This GraphQL stream provides live USDT and USDC stablecoin transfers on Solana:
🔗 Stream Example
🔗 API Example

subscription {
  Solana {
    Transfers(
      where: {
        Transfer: {
          Currency: {
            MintAddress: {
              in: [
                "Es9vMFrzaCERmJfrF4H2FYD4KCoNkY11McCe8BenwNYB"
                "EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v"
              ]
            }
          }
        }
      }
    ) {
      Transfer {
        Amount
        AmountInUSD
        Sender {
          Address
          Owner
        }
        Receiver {
          Address
          Owner
        }
        Currency {
          Symbol
          Name
          MintAddress
        }
      }
      Instruction {
        Program {
          Method
        }
      }
      Block {
        Time
        Height
        Slot
      }
      Transaction {
        Signature
        Signer
        Fee
        FeeInUSD
        FeePayer
      }
    }
  }
}

2. Multi-Chain Stablecoin Transfers

You can listen to stablecoin transfers across various blockchains:

Blockchain	API	Stream	Mempool
Tron	API	Stream	Mempool
Ethereum	API	Stream	Mempool
BSC	API	Stream	Mempool
Base	API	Stream	Not Available

We simulate transaction on top of current block to provide Mempool simulated Transactions.

3. Listening to Transfers for Specific Addresses (BSC Example)

🔗 Example Query

subscription {
  EVM(network: bsc) {
    Transfers(
      where: {
        Transfer: {
          Receiver: { in: ["0x443fa7bbf35c09ee0ebb5e15f1ea3f0704b89d04"] }
          Currency: {
            SmartContract: {
              in: [
                "0x55d398326f99059ff775485246999027b3197955"
                "0x8ac76a51cc950d9822d68b83fe1ad97b32cd580d"
              ]
            }
          }
        }
      }
    ) {
      Block {
        Time
        Number
      }
      Transfer {
        Sender
        Receiver
        Amount
        AmountInUSD
        Currency {
          Name
          Symbol
          SmartContract
        }
      }
      Transaction {
        Hash
        From
        To
      }
    }
  }
}

4. Compliance & Risk Checks

For AML/KYC and risk monitoring, you can analyze payment addresses.
🔗 Example API

{
  EVM(dataset: archive, network: eth) {
    TokenHolders(
      date: "2025-08-25"
      tokenSmartContract: "0xdac17f958d2ee523a2206206994597c13d831ec7"
      where: {
        Holder: {
          Address: { is: "0x72187db55473b693ded367983212fe2db3768829" }
        }
      }
    ) {
      Holder {
        Address
      }
      BalanceUpdate {
        InCount
        OutCount
        Count
        InAmount
        OutAmount
        FirstDate
        LastDate
      }
      Balance {
        Amount
      }
    }
  }
}

Stablecoin Analytics with Bitquery APIs

1. First-Time Stablecoin Receivers

Identify addresses receiving stablecoins for the first time.
🔗 Query Example

{
  EVM(dataset: archive, network: eth) {
    TokenHolders(
      limit: { count: 1000 }
      date: "2025-08-25"
      tokenSmartContract: "0xdac17f958d2ee523a2206206994597c13d831ec7"
      where: { BalanceUpdate: { FirstDate: { is: "2025-08-25" } } }
    ) {
      Holder {
        Address
      }
    }
  }
}

2. Last-Time Stablecoin Receivers

Identify addresses that last received USDT on a specific date.
🔗 Query Example

{
  EVM(dataset: archive, network: eth) {
    TokenHolders(
      orderBy: { descending: Balance_Amount }
      limit: { count: 1000 }
      date: "2025-08-25"
      tokenSmartContract: "0xdac17f958d2ee523a2206206994597c13d831ec7"
      where: { BalanceUpdate: { LastDate: { is: "2021-01-01" } } }
    ) {
      Holder {
        Address
      }
      BalanceUpdate {
        FirstDate
        LastDate
      }
      Balance {
        Amount
      }
    }
  }
}

3. Top Stablecoin Holders

Find top holders of USDT on Ethereum, including inflows, outflows, and activity history.
🔗 Query Example

{
  EVM(dataset: archive, network: eth) {
    TokenHolders(
      orderBy: [{ descending: Balance_Amount }]
      limit: { count: 100 }
      date: "2025-08-25"
      tokenSmartContract: "0xdac17f958d2ee523a2206206994597c13d831ec7"
    ) {
      Holder {
        Address
      }
      BalanceUpdate {
        InCount
        OutCount
        Count
        InAmount
        OutAmount
        FirstDate
        LastDate
      }
      Balance {
        Amount
      }
    }
  }
}

Why Use Bitquery for Stablecoin Payments?

• Real-time streams (WebSocket & Kafka) for instant detection.
• Webhook support to integrate with your payment systems.
• Compliance-focused APIs for AML/KYC and risk analysis.
• Multi-chain coverage across Solana, Ethereum, Tron, BSC, Base, Arbitrum, and more.

Bitquery enables faster, compliant, and scalable stablecoin payment solutions for businesses, fintechs, and governments.