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Stablecoins and payment tokens
Paymos lets businesses accept USDT, USDC, USD1, DAI and XAUT as on-chain payments. Choose the asset and network your customers already use; settlement remains in the accepted asset, with no forced conversion to BTC, ETH or fiat.
Supported assets
Which payment tokens does Paymos support?
Paymos supports five settlement assets: four US dollar stablecoins and one gold-backed asset. Open an asset page to see its supported networks and payment details.
USDT
Tether. The most widely held stablecoin, available through Paymos on 11 of 13 supported networks.
Learn moreUSDC
USD Coin. A dollar-backed stablecoin issued by Circle, available on 10 supported networks including Solana, Base, and Sui.
Learn moreUSD1
World Liberty Financial USD. Fiat-backed dollar stablecoin on Ethereum and Solana.
Learn moreDAI
Sky (former MakerDAO) crypto-collateralized USD-pegged stablecoin. Ethereum only.
Learn moreXAUT
Tether Gold. One token = one troy ounce of physical gold. Ethereum only. For merchants who want gold settlement.
Learn moreHow should a business choose a payment token?
Start with the token and network your customers already hold. Then compare network availability, wallet support, the payer's variable network fee and the asset you want to keep after settlement. Payments received in the same asset across different networks contribute to one asset balance in Paymos.
What does accepting these tokens cost?
The standard Paymos processing fee is 1.0% per settled invoice; Enterprise pricing is 0.3% on request. There is no setup fee, monthly platform fee, forced conversion or hidden conversion spread. The payer's wallet pays the network fee for sending the payment, while Paymos covers the network cost of accepting and consolidating it.
See pricing →Decision guides
Compare stablecoins before enabling them
Stablecoin types explained
Understand fiat-backed and crypto-collateralized stablecoins before choosing an asset.
USDT vs USDC vs DAI
Compare the three assets by payment availability and operational fit.
How to accept USDT payments
Follow the practical path from integration choice to invoice confirmation.
Questions about payment tokens
Is XAUT a stablecoin?
No. XAUT is a gold-backed real-world asset, not a stablecoin. Paymos accepts it on Ethereum as a separate settlement asset.
Does Paymos convert a payment before settlement?
No. Merchant settlement remains in the accepted asset. Paymos does not force conversion to fiat, BTC, ETH or another intermediary asset.
Can customers pay an invoice with a network gas asset?
No. Native assets such as BTC, ETH, TRX, BNB and SOL are not invoice payment assets in Paymos. They may still be required by the payer's wallet to cover the blockchain network fee.
Which stablecoin is best for payments?
There is no universal best stablecoin. The practical choice is the supported token-network pair your customers already use and the asset your business wants to retain after settlement.