Introducing Smart Payments: Stablecoin Spending, Simplified

We've all been there.

Paying with stablecoins can be a headache: too many wallets + too many tokens + too many balances = too many decisions.

USDC here, PYUSD there, a little USDG or USDT sprinkled around. Which one should you spend first? Which wallet do you pull from? Where are the fewest fees?

You shouldn't have to think about any of that – ever.

That's why we built Smart Payments, a feature designed to make stablecoin spending as simple as using cash. Digital cash.

All your stablecoins, one spendable balance

Decal automatically aggregates the stablecoins across all your connected wallets and displays them as a single Smart Balance. You always know exactly how much you can spend – no mental math, no wallet switching, no hunting for the “right” token.

Let Decal handle the complexity

When you go to pay a merchant or send money to a friend, Smart Payments automatically determines the optimal mix of stablecoins to use. It assembles the transaction behind the scenes – pulling the right tokens, in the right amounts, from the right wallets – so you don't have to.

Whether you're sending $12.50 or $125,000, Decal treats every stablecoin as exactly what it represents: a digital dollar.

Let’s take a look at some examples that highlight the power of Decal's Smart Payments at work.

One token does the job

You have $100 in USDC and $30 in USDG. You're sending $80 to a friend.

Decal selects your USDC — it can cover the full amount in a single, clean transaction. Simple.

Combining tokens seamlessly

You have $50 in USDG and $100 in USDC. You're paying $120 for dinner.

Neither token alone covers the balance, so Decal pulls $50 from USDG and $70 from USDC. One tap, one payment — you never see the complexity.

Optimizing for cost and speed

You have $100 in USDG and $100 in USDC. You're sending $75 to a friend, but they only own USDC.

Some payment paths require extra blockchain operations — which means higher fees and slower confirmations. Decal automatically finds the route with the lowest fees and highest priority, so your payment confirms faster.

These are just a few examples. Under the hood, Decal's payment engine evaluates dozens of scenarios to find the optimal path for every transaction — so you never have to.

Why this matters in a fragmented world

Stablecoins continue to explode in variety, liquidity depth, and utility. That's great for the ecosystem, but confusing for everyday consumers. Before Decal, fragmentation meant friction: multiple tokens, multiple balances, multiple decisions.

Smart Payments eliminates that friction. You get:

• One balance. One action. One clean experience.

• Better routing for lower fees.

• Faster checkout and faster P2P.

• No gas fees – Decal covers them.

Stablecoin payments, finally done right

Decal's Smart Payments turns a fragmented ecosystem into a seamless, everyday payment experience. You shouldn't need to be a blockchain expert to spend your digital dollars—and now, you don't.

Stablecoin payments should feel as easy as cash. With Decal, they finally do.