USDC Is Being Used for More Than Trading, and Bybit Is Expanding Support on XDC

As 2025 winds down, stablecoins like USDC are getting used for extra than simply buying and selling. They are 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 best way these transfers settle has began to matter excess of it used to. 

That change has put stress on current blockchain networks. Activity picked up over the second half of the 12 months, and throughout busy intervals this confirmed up by means of greater charges, slower confirmations, and much less predictable switch prices.

On Ethereum, for instance, sending USDC late in 2025 has usually value anyplace from just a few {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, charge volatility had turn out to be one other acquainted situation. Gas-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 change and switch charges are factored in, the fee benefit of utilizing stablecoins can slim greater than many customers anticipate.

That’s the place Bybit’s resolution to add USDC assist on the XDC Network matches in. As stablecoin transfers turn out to be a part of on a regular basis exercise, exchanges are below stress to supply routes which can 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 Network. “If stablecoins are going to operate as on a regular basis monetary instruments, the infrastructure beneath them has to really feel dependable, not tense.”

Bybit Waives USDC Fees on XDC and Launches $200,000 Reward Program

For most stablecoin customers, entry isn’t the issue anymore. USDC is already out there on almost each main change. What folks care about now could be whether or not shifting funds truly works the best way they want it to: shortly, frequently, and with out having to assume twice about the fee.

Bybit’s latest modifications make sense inside this context. Alongside opening one other route for USDC transfers, the change is waiving withdrawal charges on XDC from December 1, 2025 by means of January 1, 2026, and offering a 200,000 USDC reward pool for new customers who register and make qualifying deposits.

From a consumer perspective, that is much less about options and extra about comfort. When transfers begin to really feel costly or unpredictable, folks naturally change how they transfer cash. Some wait longer to switch, others batch funds, and some keep away from smaller transactions altogether. Having another choice out there makes these selections simpler.

For Bybit customers, USDC on XDC merely provides flexibility. It provides them one other technique to transfer funds when the same old routes don’t really feel like your best option, with out altering what they’re utilizing or how they consider stablecoins.

What This Signals for Exchanges

Bybit’s latest transfer round USDC transfers displays a change that’s beginning to present up throughout the change panorama. While 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 charge swings seen on extra congested chains.

For exchanges, the reasoning is basically sensible. As stablecoin flows improve, relying on a small set of networks could make platforms extra uncovered to sudden value modifications and slower settlement throughout peak intervals. Adding various 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 taking place as stablecoins begin to be handled extra like actual fee instruments. In the U.S., proposals such because the GENIUS Act are targeted on placing clearer guidelines round how stablecoins are issued and used, particularly for funds and institutional exercise. As that occurs, the best way stablecoins transfer between platforms and networks turns into greater than a technical element and a part of what customers and establishments anticipate by default.

“When stablecoins begin getting used outdoors of buying and selling, the dialog modifications,” O’Callaghan added. “Once there are clearer guidelines round how they’re meant to work, like what’s being mentioned with the GENIUS Act, folks cease treating transfers as experiments. They anticipate 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 Practice

XDC Network is generally used for sensible, behind-the-scenes work slightly than consumer-facing crypto exercise. It’s been utilized in areas like commerce finance, real-world asset tokenization, and settlement processes the place techniques must work persistently and with out surprises.

That similar setup additionally works nicely for shifting stablecoins. Transfers on XDC are likely to undergo shortly and normally value little or no, which issues extra now that stablecoin transfers turned extra widespread. For folks or companies sending USDC usually, decrease and extra predictable prices make these transfers simpler to handle over time.

This is beginning to present within the information. The quantity of USDC issued on XDC has continued to rise and just lately handed $200 million, indicating that utilization is shifting past early checks and into extra common exercise. Rather than temporary spikes, the numbers level to regular use by individuals who transfer funds usually.

Image supply: USDC.COOL

From XDC’s aspect, 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, slightly than as one thing meant to draw consideration on its personal.

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 charge swings shortly flip into operational issues.

That focus is already exhibiting up in how the community is getting used. Beyond fundamental transfers, XDC helps extra complicated monetary workflows, together with world funds, tokenized settlement, and stablecoin-based liquidity. Assets like USDC are more and more used inside these flows, together with as collateral, and greater than $500 million price of property have already been tokenized and settled on the community.

Image supply: TradeFi Network

This form of exercise is very related for commerce finance and cross-border settlement, the place funds want to maneuver reliably throughout jurisdictions slightly 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 tip, selections like Bybit’s USDC assist on XDC should not about any single community or promotion and extra about how exchanges are adjusting to a maturing market. For the change, providing one other technique 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 position in that setup displays how infrastructure selections have gotten a part of the change’s accountability, 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 normally the purpose.”

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