Stripe may launch its own Blockchain network: Analysis of the payment giant's Blockchain layout

Recently, there have been rumors in the crypto space that payment giant Stripe intends to launch its own Blockchain network. As a global leading payment service provider, Stripe plays a technological bridge role among merchants, acquirers, card networks, and issuing banks, ensuring transactions are efficient and secure. If these rumors are true, this will be another significant move for Stripe in the Blockchain field following its acquisitions of Bridge and Privy.

If Stripe really launches a Blockchain mainnet, it is expected to bring about the following changes:

1. Support stablecoin payments to achieve deep integration of Stripe Blockchain with customer payments and merchant settlements;
2. It may bypass card organizations and banks to achieve direct payments;
3. Enable micropayment subscription models that are difficult to achieve with traditional systems;
4. Generate income by managing short-term deposit balances on the Stripe Blockchain.

Currently, Stripe mainly operates as a payment gateway and acquiring institution. If it successfully launches its own Blockchain network, Stripe is expected to replace some functions of traditional issuing banks and card organizations, which could become an important turning point in the payment industry.

Analysis of the Possibility of Stripe Launching a Blockchain Mainnet

Although it has not yet been officially confirmed, multiple sources have mentioned that Stripe may launch a Blockchain mainnet. Similar to Robinhood's stock tokenization feature based on Arbitrum, Stripe could become the next large fintech company to enter the Blockchain field.

Stripe's mission is "to increase the internet's GDP" and is committed to building global economic infrastructure, providing online payment, operations, and growth management services for various businesses. From this vision, Blockchain technology undoubtedly has strong appeal.

In February 2025, Stripe acquired the stablecoin infrastructure company Bridge for approximately $1.1 billion, strengthening its strategic position in the stablecoin financial infrastructure sector. Then, at the Stripe Sessions conference in May, it officially launched the "stablecoin financial account" service. This service has been rolled out in 101 countries, allowing businesses to:

• Hold USDC and USDB stablecoins;
• Deposit and withdraw stablecoins through traditional bank channels for USD and EUR transfers;
• On-chain deposit and withdrawal of USDC through multiple mainstream Blockchain networks.

This means that businesses can easily access and manage USD stablecoins on the Stripe platform, and achieve efficient fiat currency deposits and withdrawals through a seamlessly integrated traditional banking system.

In addition, Stripe acquired the Web3 wallet infrastructure startup Privy in June 2025. The company offers features such as wallet creation based on email or SSO login, transaction signing, key management, and gas abstraction. Combining the existing stablecoin infrastructure with wallet technology, launching its own Blockchain mainnet to achieve system collaborative development seems to be a natural progression.

The Transformation That Stripe Blockchain Mainnet May Bring

If Stripe really launches a Blockchain mainnet, it may bring about the following changes:

Basic Scenario

1. Merchant stablecoin accounts are deeply integrated with Stripe Blockchain, supporting deposits and withdrawals through their own chain, enhancing operational efficiency and expanding application scenarios.

2. Provide stablecoin settlement options, allowing merchants to choose to settle sales revenue in US dollar stablecoins, which is particularly beneficial for merchants with high demand for US dollars but limited access.

3. Provide users with a simple and easy-to-use Web3 wallet service that supports payments and other Blockchain financial activities.

4. Provide customers with the option to complete payments using stablecoins.

Ideal Scenario

1. Achieve direct payments between customers and merchants, bypassing issuing banks and card organizations, significantly improving settlement speed and reducing costs.

2. Develop subscription services based on micropayments, supporting flexible models such as billing by the minute, and achieve automatic settlement based on actual usage time.

3. Use short-term deposits for DeFi investments, utilizing temporarily idle funds in the payment system for DeFi protocols, lending markets, or bond investments to enhance capital efficiency and create additional returns.

Outlook

If Stripe really launches its own Blockchain mainnet, it could potentially mark an important beginning for a paradigm shift in payment systems. On a technical level, Stripe may simultaneously take on the roles of issuing banks and card organizations. More importantly, the Stripe Blockchain is expected to leverage new technologies to significantly enhance payment efficiency and develop innovative features that traditional systems find difficult to achieve.

Currently, the payment industry is at the forefront of the innovation wave driven by Blockchain. Whether the rumors are true or not, any move by Stripe in the Blockchain field could have a profound impact on the landscape of the payment industry. Will Blockchain reshape the payment infrastructure? Let's wait and see.