As 2025 winds down, stablecoins like USDC are getting used for extra than simply buying and selling. They’re more and more a part of funds, enterprise transfers, and routine motion of funds, not solely exercise tied to market cycles. As more cash strikes extra usually, the way in which these transfers settle has began to matter excess of it used to.
That change has put stress on current blockchain networks. Exercise picked up over the second half of the 12 months, and through busy intervals this confirmed up by greater charges, slower confirmations, and fewer predictable switch prices.
On Ethereum, for instance, sending USDC late in 2025 has usually value wherever from a number of {dollars} to nicely over ten {dollars} during times of congestion, that means even a fundamental switch can find yourself costing greater than anticipated.
By the second half of the 12 months, price volatility had grow to be one other acquainted challenge. Gasoline-based pricing means the price of a stablecoin switch can change shortly relying on community circumstances, making routine funds more durable to plan for merchants, companies, and treasury groups. In observe, as soon as alternate and switch charges are factored in, the fee benefit of utilizing stablecoins can slim greater than many customers count on.
That’s the place Bybit’s resolution so as to add USDC assist on the XDC Community matches in. As stablecoin transfers grow to be a part of on a regular basis exercise, exchanges are below stress to supply routes which might be simpler to handle and extra predictable. How shortly and cheaply funds can transfer now issues as a lot as entry itself.
“Most customers don’t care about blockchain labels anymore. They care about whether or not a switch clears shortly and what it prices them ultimately,” mentioned Angus O’Callaghan, head of buying and selling and markets at XDC Community. “If stablecoins are going to operate as on a regular basis monetary instruments, the infrastructure beneath them has to really feel dependable, not irritating.”
Bybit Waives USDC Charges on XDC and Launches $200,000 Reward Program
For many stablecoin customers, entry isn’t the issue anymore. USDC is already accessible on practically each main alternate. What individuals care about now’s whether or not shifting funds really works the way in which they want it to: shortly, recurrently, and with out having to suppose twice about the fee.
Bybit’s current modifications make sense inside this context. Alongside opening one other route for USDC transfers, the alternate is waiving withdrawal charges on XDC from December 1, 2025 by January 1, 2026, and providing a 200,000 USDC reward pool for brand new customers who register and make qualifying deposits.
From a consumer viewpoint, that is much less about options and extra about comfort. When transfers begin to really feel costly or unpredictable, individuals naturally change how they transfer cash. Some wait longer to switch, others batch funds, and a few keep away from smaller transactions altogether. Having another choice accessible makes these selections simpler.
For Bybit customers, USDC on XDC merely provides flexibility. It provides them one other method to transfer funds when the standard routes don’t really feel like your best option, with out altering what they’re utilizing or how they consider stablecoins.
What This Alerts for Exchanges
Bybit’s current transfer round USDC transfers displays a change that’s beginning to present up throughout the alternate panorama. Whereas Bybit has taken a transparent step in increasing how customers can transfer funds, it’s additionally a part of a wider sample enjoying out over the previous few weeks.
BTSE, KuCoin, MEXC, Gate.io, Bitrue, and Pionex have additionally expanded assist for XDC, enabling deposits, withdrawals, and buying and selling. Taken collectively, these strikes level to rising curiosity amongst exchanges in settlement networks that may deal with common switch exercise with out the price swings seen on extra congested chains.
For exchanges, the reasoning is essentially sensible. As stablecoin flows improve, counting on a small set of networks could make platforms extra uncovered to sudden value modifications and slower settlement throughout peak intervals. Including different routes provides exchanges extra flexibility, helps easy out these pressures, and presents customers extra constant methods to maneuver funds with out altering the property they already use.
All of that is additionally occurring as stablecoins begin to be handled extra like actual fee instruments. Within the U.S., proposals such because the GENIUS Act are centered on placing clearer guidelines round how stablecoins are issued and used, particularly for funds and institutional exercise. As that occurs, the way in which stablecoins transfer between platforms and networks turns into greater than a technical element and a part of what customers and establishments count on by default.
“When stablecoins begin getting used exterior of buying and selling, the dialog modifications,” O’Callaghan added. “As soon as there are clearer guidelines round how they’re meant to work, like what’s being mentioned with the GENIUS Act, individuals cease treating transfers as experiments. They count on them to behave like common funds: to undergo on time, at a price they will perceive, and without having to second-guess each transfer.”
XDC in Follow
XDC Community is generally used for sensible, behind-the-scenes work moderately than consumer-facing crypto exercise. It’s been utilized in areas like commerce finance, real-world asset tokenization, and settlement processes the place methods have to work constantly and with out surprises.
That very same setup additionally works nicely for shifting stablecoins. Transfers on XDC are inclined to undergo shortly and often value little or no, which issues extra now that stablecoin transfers grew to become extra widespread. For individuals or companies sending USDC usually, decrease and extra predictable prices make these transfers simpler to handle over time.
That is beginning to present within the knowledge. The quantity of USDC issued on XDC has continued to rise and not too long ago handed $200 million, indicating that utilization is shifting past early exams and into extra common exercise. Quite than temporary spikes, the numbers level to regular use by individuals who transfer funds usually.
Picture supply: USDC.COOL
From XDC’s facet, integrations like Bybit’s are primarily about being helpful. The community is getting used as one other place the place stablecoin transfers can occur reliably, moderately than as one thing meant to draw consideration by itself.
XDC was additionally designed with institutional fee flows in thoughts, the place predictable settlement and constant prices matter greater than short-term optimization. That makes it sensible for companies and monetary establishments shifting stablecoins at scale, the place delays or sudden price swings shortly flip into operational issues.
That focus is already exhibiting up in how the community is getting used. Past fundamental transfers, XDC helps extra complicated monetary workflows, together with world funds, tokenized settlement, and stablecoin-based liquidity. Property like USDC are more and more used inside these flows, together with as collateral, and greater than $500 million value of property have already been tokenized and settled on the community.
Picture supply: TradeFi Community
This sort of exercise is very related for commerce finance and cross-border settlement, the place funds want to maneuver reliably throughout jurisdictions moderately than fluctuate with market circumstances. As extra fee and commerce processes transfer on-chain, infrastructure that may deal with regular, high-volume transfers turns into much less of a nice-to-have and extra of a requirement.
Closing
In the long run, selections like Bybit’s USDC assist on XDC are usually not about any single community or promotion and extra about how exchanges are adjusting to a maturing market. For the alternate, providing one other method to transfer USDC is a part of that adjustment – ensuring the expertise holds up not simply throughout quiet intervals, however when exercise picks up and small frictions begin to matter. XDC’s function in that setup displays how infrastructure decisions have gotten a part of the alternate’s duty, even when they keep largely out of sight.
“Good infrastructure doesn’t draw consideration to itself,” O’Callaghan concludes. “When it really works correctly, customers barely give it some thought, and that’s often the purpose.”