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Circle brings USDC and EURC payments to SAP. Oct 7, 2026 at 03:21 PM GMT+2 Circle has partnered with SAP-backed Tereina to bring USDC and EURC payments into SAP business software, starting with SAP Pay and SAP Cloud ERP. * Circle and Tereina will integrate USDC and EURC into SAP Pay for eligible enterprise customers. * SAP says its customers generate 84% of global commerce, giving the integration extensive enterprise reach. * Arc will serve as the preferred blockchain for the partnership's initial stablecoin payment workflows globally. * USDC circulation stood at $74.1 billion on October 5, according to Circle's latest reserve data. * Tereina and Circle plan customer pilots, training programs, and enterprise stablecoin studies over coming months. Circle announced the agreement on Oct. 7, saying eligible companies will be able to send and receive stablecoin payments through applications they already use. USDC will serve as the preferred stablecoin for eligible dollar-denominated payments, while EURC will support euro-denominated activity. The companies said Arc, Circle's Layer 1 blockchain, will be the preferred blockchain for the initial payment workflows. Tereina and Circle plan to begin customer proof-of-value programs over the coming months before expanding implementations. Circle brings stablecoins directly into SAP Pay. The partnership connects Circle's stablecoins with SAP Pay, which Tereina operates inside SAP Cloud ERP. Finance teams can therefore access supported stablecoin payment functions without moving transactions into a separate application. SAP describes SAP Pay as an embedded payment service capable of handling traditional rails alongside stablecoins such as USDC. The platform can execute payments and reconcile them against invoices or purchase orders inside existing SAP workflows. Current SAP Pay capabilities cover more than 40 currencies and 89 payment corridors. The product supports ACH, wire transfers, checks, electronic funds transfers and stablecoin payments through one connection, according to SAP. SAP says customers can use a pre-integrated Circle Mint account for USDC payments. Payment execution runs through SAP workflows, while companies retain control over payment timing, currency and method. Circle's Oct. 7 announcement expands that setup to EURC for qualifying euro-denominated activity. The companies did not disclose participating customers, expected payment volume or a timetable for full commercial deployment. SAP gives the partnership access to a large business network. The companies presented SAP's enterprise reach as a central part of the agreement. Circle's release says the integration addresses an SAP ecosystem linked to 84% of global commerce. SAP's July 2026 corporate fact sheet independently states that its customers generate 84% of total global commerce. The document says 99 of the world's 100 largest companies use SAP products, while 86 use SAP S/4HANA. SAP introduced SAP Pay as part of its push to place payment execution directly inside Cloud ERP. The company says the system can execute and reconcile a payment within the same workflow when an invoice becomes due, reducing manual file handling and reliance on external processing. For stablecoins, SAP's product documentation says businesses can connect their ERP environment to blockchain payment rails and process payments around the clock. The company promotes almost-instant settlement, though actual settlement times can depend on the blockchain, provider and transaction involved. Arc will handle the preferred blockchain route. Arc gives the partnership a blockchain developed specifically around Circle's stablecoin infrastructure. Circle launched Arc's public mainnet on Sept. 16. The network uses USDC for transaction fees and was launched with more than 100 institutional and ecosystem builders. Circle's founding validator group includes Mastercard, Visa, BlackRock, DTCC, Standard Chartered, ICE and other financial firms. In previous crypto.news coverage, Arc launched with deterministic sub-second settlement, USDC-based gas fees and support for more than 20 fiat stablecoins. Eleven institutional validators initially participated in securing the network. Circle has since expanded the assets that can move through its cross-chain infrastructure connected with Arc. As crypto.news reported, Circle's Cross-Chain Transfer Protocol now supports native EURC and cirBTC transfers on selected Arc routes alongside USDC. The Tereina partnership does not require every SAP Pay transaction to settle on Arc. Circle described Arc as the preferred blockchain, while SAP Pay supports several payment rails and lets businesses retain control over payment methods. USDC already has $74 billion in circulation. Circle's latest reserve data places USDC circulation at $74.1 billion as of Oct. 5, backed by $74.3 billion in total reserves. Circle's transparency page shows $9.4 billion of USDC issued and $10 billion redeemed during the previous seven days. USDC activity has expanded alongside Circle's institutional payment products. Circle reported $14.8 trillion of USDC on-chain transaction volume during the second quarter of 2026, up 151% from a year earlier. USDC circulation stood at $73.3 billion at the end of that quarter. Circle Payments Network reached $14.7 billion in annualized transaction volume based on the trailing 30 days at the end of the second quarter. The company reported 175 financial institutions enrolled in the network at the time. In related crypto.news coverage, Circle expanded its managed payment service so banks and payment firms can use stablecoin settlement without directly managing custody or blockchain infrastructure. Circle handles USDC minting, burning and payment orchestration under that service. Circle has tested enterprise stablecoin settlement internally as well. As crypto.news previously reported, Circle settled $68 million in transfers between eight corporate entities in less than 30 minutes using USDC and Circle Mint. Customer trials are the next step. Tereina and Circle plan to run proof-of-value programs with customers during the coming months. They will train treasury and payments specialists and work with ecosystem partners on stablecoin-enabled enterprise payment projects. Neither company has disclosed which SAP customers will participate first or how many businesses have committed to testing USDC or EURC through the new integration. Circle CEO Jeremy Allaire said stablecoins are becoming a "core infrastructure layer for global commerce" and described integration with existing business applications as a way to make digital money easier for enterprises to use. Tereina CEO Cedric Bru said the company wants stablecoin payments to become "a native feature" inside applications businesses already use. The companies have not published transaction-volume targets for the partnership or a date for completing the initial proof-of-value programs.

Circle partners with Tereina to bring USDC and EURC into SAP Pay. The SAP-backed payments firm is adding Circle's stablecoins to a new payment service built directly into SAP Cloud ERP 3 hours ago circle logo phone Sponsored: Vera - AI-powered prediction market intelligence, built for serious analysts Explore Vera Circle and Tereina have partnered to integrate USDC and EURC into enterprise payment workflows through SAP Pay. That puts the two stablecoins inside the systems businesses already use to pay suppliers, rather than in a separate crypto app. What SAP Pay actually does. Tereina, a payments firm backed by SAP, launched SAP Pay on October 6, 2026. The product took 2.5 years to build. Circle and Tereina confirmed their partnership a day later, on October 7, 2026. The deal covers USDC and EURC transactions inside SAP Pay. SAP Pay lives inside SAP Cloud ERP. Businesses can pay suppliers and other stakeholders from within the ERP using traditional currencies or stablecoins. The service supports a range of payment rails, including ACH, EFT, wire, check and stablecoin settlement. SAP Pay also includes automated reconciliation, fraud detection and multi-rail routing. Multi-rail routing means the system can pick which payment method to use for a given transaction, rather than forcing finance teams to choose manually every time. The numbers behind the launch. Tereina claims SAP Pay can cut payment costs by up to 25%. The firm says it gets there by partnering with existing service providers instead of trying to compete with them head-on. The news moving money, markets, and the world - before your day starts. Daily. Free. Join 34,000+ readers across crypto, finance, and policy. At launch, SAP Pay is available in the US and the UK. It can transact across 89 global payment corridors. On the blockchain side, the Arc blockchain is the preferred network for eligible SAP Pay transactions. Arc launched on September 16, 2026, so it went from debut to enterprise deployment in about three weeks. No other crypto assets were mentioned in the official updates around the deal, keeping the focus squarely on USDC and EURC. Why SAP moving into payments matters. SAP Pay marks SAP's first move into native payment integration within its Cloud ERP. Historically, the system relied on external payment providers to handle the actual movement of funds. For Circle, the partnership fits its ongoing push to expand USDC and EURC usage within existing networks. Instead of asking companies to adopt new crypto workflows, it is placing its tokens inside workflows companies already run every day. What this means for stablecoins and enterprise software. Embedding USDC and EURC as one option among ACH, wires and checks lowers the adoption barrier. A finance team does not need to become a crypto team to try a stablecoin settlement. The inclusion of EURC alongside USDC is also worth noting. With SAP Pay live in both the US and UK and spanning 89 corridors, a euro-denominated option gives companies with European exposure a native alternative to converting everything through dollars. The 25% cost reduction figure is Tereina's claim, framed as a potential ceiling rather than a guaranteed result. Real-world savings will likely vary by corridor, payment method and company size. Arc's role adds another layer. A blockchain only weeks old being named the preferred network for eligible enterprise transactions is a meaningful early test, and its performance under real corporate volume will shape how much trust it earns. Disclosure: This article was edited by Kaye Quema. For more information on how Cryptobriefing create and review content, see its Editorial Policy.

Gate Money launches financial-services platform for assets, funds and payments. Gate has launched Gate Money, a financial-services platform designed to unify digital assets, investment funds, and payment services under a single ecosystem, according to the company's announcement. Gate has launched Gate Money, a financial-services platform designed to unify digital assets, investment funds, and payment services under a single ecosystem, according to the company's announcement. The platform represents Gate's push to consolidate fragmented financial workflows into one connected interface, though operational details including supported jurisdictions, fee structures, and custody arrangements have not yet been publicly confirmed. Gate Money positions itself as an integrated financial hub. Gate Money's core proposition, as stated in the launch announcement, is connectivity: rather than operating assets, funds, and payments as standalone verticals, the platform presents them as interdependent layers of a unified financial stack. This mirrors a broader industry pattern in which exchanges and fintech platforms seek to reduce friction by collapsing multiple service categories into a single account and interface. The three stated components each address a distinct user need. The assets layer covers digital asset holding or management functions; the funds component suggests investment or fund-access services; the payments layer targets transaction and transfer capabilities. Gate has not, as of this writing, published a detailed breakdown of which specific products fall under each category or which regulatory frameworks govern them across different markets. Platforms combining asset custody, investment products, and payment rails face complex compliance requirements across jurisdictions, a challenge that has shaped rollout timelines for comparable integrated services. Circle's Arc payment agent, for instance, introduced a managed access layer specifically to address jurisdictional and compliance segmentation within a payment-focused stack. How Gate Money addresses those same constraints is not yet disclosed. What is confirmed and what is still unclear. The confirmed facts from the announcement are limited but specific: Gate launched a product named Gate Money; the platform is categorized as a financial-services offering; and it is framed as connecting assets, funds, and payments. No user-growth projections, transaction volume targets, partner integrations, or launch pricing have been disclosed in the available material. Several material details remain unconfirmed. These include which asset types are supported, whether the funds component covers managed funds, tokenized assets, or both, and whether the payments layer operates as a fiat on-ramp, a crypto transfer tool, or both. Ondo Finance's recent launch of tokenized private equity products illustrates how fund-access features in crypto-native platforms can vary substantially in structure and regulatory treatment, making Gate Money's specific implementation a key unknown for prospective users. Eligibility criteria, know-your-customer requirements, and whether the platform is available to retail or institutional users only are also unconfirmed at the time of publication. Gate Money launch: key questions. What is Gate Money? Gate Money is a financial-services platform launched by Gate, structured to connect digital assets, investment funds, and payment services in one ecosystem. Which services does Gate Money connect? The platform covers three stated areas: assets, funds, and payments. Specific products within each category have not been publicly detailed. When and where is Gate Money available? Supported jurisdictions and a formal availability date have not been confirmed in the announcement materials reviewed for this article. Are fees, eligibility, and regulatory details announced? No. Fee schedules, eligibility requirements, custody arrangements, and applicable regulatory frameworks are not yet publicly disclosed. What to watch after the Gate Money announcement. The details that would allow a fuller evaluation of Gate Money's significance include a rollout timeline specifying supported markets and user eligibility, a product breakdown identifying which specific assets, fund instruments, and payment rails are live at launch, and formal compliance or custody disclosures covering how user funds are held and protected across each service vertical. Partnership announcements, particularly with payment processors or licensed fund administrators, would clarify whether Gate Money operates as a first-party product suite or as an aggregation layer over third-party services. Early adoption metrics, including active account counts or transaction volumes, would provide the first measurable signal of whether the integrated model converts the platform's structural premise into user uptake. Disclaimer: This article is for informational purposes only and does not constitute financial or investment advice. Cryptocurrency and digital asset markets carry significant risk. Always do your own research before making decisions. Rate this post Rate this article