In today’s global economy, sending money across borders often feels stuck in the past. Transfers can take days, cost too much, and leave both senders and recipients frustrated. But what if there was a faster, cheaper, and more transparent way?
Enter the Stablecoin Sandwich - a new approach to moving money that blends the reliability of local currencies with the speed and efficiency of blockchain.
What Exactly Is a Stablecoin?
Stablecoins are digital currencies designed to hold a steady value, usually pegged to a major currency like the U.S. dollar or the euro. Unlike volatile cryptocurrencies such as Bitcoin, stablecoins like USDC are backed 1:1 with cash and cash-equivalent reserves.
That means when you hold one USDC, you always know it equals one U.S. dollar. This stability makes stablecoins practical for everyday use - sending money, saving, or even earning yield.
Why Traditional Cross-Border Transfers Fall Short
Sending money the “old-fashioned” way usually involves:
- Slow settlement times: 2–5 business days, sometimes longer.
- High costs: Multiple intermediaries taking fees and marking up FX rates.
- Complex processes: Needing pre-funded accounts and dealing with time zones.
For families depending on remittances or businesses managing global operations, these inefficiencies add up quickly.
How the Stablecoin Sandwich Works
Think of it as a three-step process with blockchain in the middle:
- Onramp into Stablecoins: Convert your local currency into a stablecoin like USDC.
- Blockchain Transfer: Instantly send stablecoins across borders for nearly free.
- Offramp to Local Currency: Convert back into the recipient’s local money through local payment methods.
By “sandwiching” blockchain between two local currency conversions, you skip the slow and expensive international banking layer.
The Benefits
- Speed: Transfers settle in minutes, not days.
- Lower Costs: No correspondent banks, no hidden FX markups.
- Transparency: Every transaction lives on a public blockchain.
- Global Reach: Stablecoins work anywhere with internet access.
- Accessibility: Even people without full banking access can receive stable digital dollars.
Why It Matters
For migrant workers sending money home, creators getting paid internationally, or small businesses exporting goods, the stablecoin sandwich isn’t just theory - it’s already making global payments simpler, faster, and fairer.
And as regulations and infrastructure mature, more people and companies will rely on stablecoins not just as a middle layer, but as money they use every day.
Try It Yourself with Mo
This isn’t just a concept. With Mo, you can experience the stablecoin sandwich in your daily life:
- Send money to family abroad instantly and fee-free with just a mobile number.
- Earn yield safely by holding USDC.
- Trade digital dollars into assets like ETH or cbBTC.
- Spend worldwide with no FX fees and 1% cashback.
Mo is designed for everyone - whether you’re new to crypto or an experienced professional. It’s a consumer-grade app that brings the benefits of stablecoins to your pocket.
More with Mo. Get Mo at get.mo.xyz