Move money across borders without getting fleeced on fees.
StablePayGuide explains stablecoins and crypto cards in plain English, and gives you free tools to convert units, compare cards, and see exactly what a transfer really costs.
Free tools
All tools →Stablecoin Converter
Convert between USDT, USDC, DAI, PYUSD and more — with live or pegged rates.
Cross-Border Fee Calculator
Compare the real cost of a bank wire or card vs. paying with a stablecoin card.
Crypto Card Comparison
Filter crypto cards by country, fees, cashback, and supported assets.
Card Auth Flow Visualizer
Watch a card authorization travel from POS to issuer and back, step by step.
Fiat to Crypto Quote
See how much USDT or USDC you actually get after card, P2P, wire, and Wise fees.
Knowledge base
All topics →Stablecoins 101: What They Are and How They Work
What stablecoins are, how they keep their peg, the difference between USDT, USDC, DAI and PYUSD, and the risks nobody puts in the marketing.
The Complete Guide to Crypto Cards (U-Cards)
How crypto-funded payment cards work, what 'U-card' means, the fee stack to check before you apply, and how to pick the right card for your country.
How Card Authorization Works: A Practical Walkthrough
What happens in the two seconds after you tap your card: the players, the ISO 8583 message, approval and decline paths, and where crypto cards plug in.
Cross-Border Payments: A Complete Guide
Bank wire, Wise, remittance apps, and stablecoins — how money actually moves across borders, what each path costs, and when to choose which.
Web3 Payments Glossary
The terms you meet when paying with stablecoins: gas, networks, on-ramps, MCC, 3DS, settlement and more — each explained in one or two plain sentences.
Stablecoin Regulation Around the World
The rules that decide which stablecoins and crypto cards you can use: the US GENIUS Act, the EU's MiCA, Hong Kong's licensing regime, and what they mean for users.
Blockchain Basics for Stablecoin Users
What stablecoin users actually need to know about blockchains: how transactions work, why some chains are cheap and fast while others are slow and expensive, and how to choose the right chain for your transfer.
Latest from the blog
All posts →Inside Card Authorization, Part 2: Issuer Checks, Declines & Stand-In
What happens after your card tap reaches the issuer: balance checks, fraud scoring, MCC rules, decline codes, and what stand-in processing means.
Why Your Crypto Card Is Legally a Prepaid Card
Most crypto cards are not credit cards — they're prepaid or e-money programs. Here's what that means for your money and rights.
Stand-In Processing and Reversals: When the Issuer Doesn't Answer
What happens when the issuer's systems are slow or down: STIP approvals, timeouts, and 0400 reversal messages.