Stripe has made Open USD (OUSD) its default stablecoin configuration. In a September 30 post, the company said OUSD support is launching across its products, and that OUSD on Tempo is now its default setup. OUSD is a stablecoin from Open Standard, and Stripe lists Coinbase, Mastercard, Shopify, Stripe and Visa as founding companies.
What changes for businesses
Businesses can use OUSD to receive, hold, send and spend funds with Treasury, run a global card program with Issuing, and pay recipients with Global Payouts. They can also offer fiat-to-OUSD conversions through Crypto Onramp and accept OUSD with Payments. OUSD is available on Base, Ethereum, Solana and Tempo. Stripe says it will keep making OUSD available by default across its products as support rolls out, and that it still supports other stablecoins and will not require users to convert existing balances.
Stripe also describes a rewards feature. Businesses that join Open Standard as a partner, at no cost, can earn rewards based on OUSD activity, including their OUSD balances on Stripe.
Why it matters
A default is a distribution decision. When a payments platform with thousands of businesses on it picks which stablecoin a new integration starts with, it shapes where balances accumulate before any finance team has written a policy. Our tracking of stablecoin regulation shows rules still arriving agency by agency.
Our read
This part is our analysis. The practical step for a treasury team is to write down, before the default reaches its accounts, which stablecoins it is willing to hold, on which chains, and who approves a change. Stripe’s own post notes that OUSD is one option among several, so the default saves a configuration step and does not replace the policy decision. For the settlement side of the same shift, see our piece on banks testing USDC inside existing payment systems.
Source: Stripe
