Stripe announces AI, stablecoin launches

Payments platform Stripe unveiled a host of new products designed to help businesses harness AI and stablecoins. Among them: new money management capabilities that make stablecoin-powered financial accounts accessible to businesses in 101 countries.

Stripe heralded the new products and capabilities at its annual user conference, Stripe Sessions 2025, held from May 6 to 8, 2025, at Moscone West in San Francisco.

"There are not one, but two gale-force tailwinds, well off the Beaufort scale, dramatically reshaping the economic landscape around us: AI and stablecoins," said Patrick Collision, Stripe co-founder and CEO. (The Beaufort scale is a system for estimating wind speed.) "Our job," he continued, "is to pull these technologies forward so businesses on Stripe can benefit from them right away."

Stripe lays claim to being one of the largest and fastest-growing companies in the world. Last year, businesses used Stripe to process $1.4 trillion in total payment volume – a 38 percent increase over 2023 and the equivalent of about 1.3 percent of global GDP.

AI foundation model for payments

Stripe has a history of using specialized AI models optimized for specific tasks, such as preventing fraud, increasing authorization rates, and personalizing the checkout process for individual buyers.

Stripe's new AI foundation model has been trained on tens of billions of transactions and captures hundreds of subtle signals about individual payments that specialized models cannot, the company said in a press release. It will be deployed across Stripe's payments suite to unlock additional performance improvements that were not previously possible, Stripe added.

Early results of thwarting card-testing attacks have demonstrated the effectiveness of the new payments foundation model, the company said. With its previous models, Stripe noted, it was successful in gradually reducing card testing by 80 percent over two years. With the new foundation model, Stripe said it has increased its detection rate for attacks on large businesses by 64 percent practically overnight.

Reinventing money management with stablecoins

Stablecoin financial accounts, new money management capabilities powered by stablecoins, build on Stripe's acquisition of the stablecoin platform Bridge. The new accounts will enable businesses to hold balances in stablecoins, receive funds on both crypto and fiat rails (like ACH and SEPA), and send stablecoins almost anywhere in the world.

The accounts are expected to enable businesses in countries with volatile currencies to hedge against inflation and more easily access the global economy. Stripe said it will start by supporting two dollar-denominated stablecoins: USDC and Bridge's USDB. The company plans to add other stablecoins over time.

Data posted by Visa shows that over the past year, stablecoin transaction volumes have surged by over 50 percent. Stablecoins make it dramatically faster and cheaper to move money internationally.

The challenge, however, is making it possible to spend stablecoins at businesses that only accept fiat currencies. A new partnership between Bridge and Visa addresses this problem with the first-ever global card issuing product that makes stablecoin balances as easy to spend as fiat currency.

Financial technology firms will be able to issue Visa cards linked to stablecoin wallets in dozens of countries. When a cardholder makes a purchase, Bridge deducts the funds from their stablecoin balance and converts that to fiat, enabling the merchant to get paid in their local currency just like any other transaction. These stablecoin cards can be used at any of the 150 million merchants worldwide that accept Visa today.

Curtailing FX tax on global trade

Alongside stablecoin financial accounts, Stripe announced the ability for businesses to hold and manage balances in multiple currencies – beginning with USD, EUR and GBP – in their existing Stripe accounts. A business will be able to store money in the currency in which it is received, convert between currencies, and create virtual and physical cards for each country.

For example, a U.S. retailer with stores in London will now be able to accept payments from British customers in GBP; hold a GBP balance in its Stripe account (alongside a separate USD balance from sales to American customers); issue cards so UK employees can buy things in GBP; and pay UK.-based suppliers in GBP—all without incurring any foreign exchange (FX) fees.

These multicurrency balances will be available initially to businesses in the United States and UK and will be rolled out to Europe later this year.

"We're building programmable financial services to make money as easy to manipulate and manage with code as data is," said Will Gaybrick, Stripe's president of product and business. "Across dozens of new launches we unveiled today, we're putting AI and stablecoins to accelerate our users' growth."

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