Skipo lets businesses in Chile operate with stablecoins such as USDT and USDC at volume, directly in pesos, 24/7 and through its OTC service, as a platform registered with the CMF. More and more companies are choosing stablecoins because they solve a concrete and expensive problem: paying, collecting and moving money outside Chile without the delays and fees of the traditional banking system.
Why are businesses choosing to operate with stablecoins?
Businesses are choosing stablecoins because they replace a slow, costly process (the traditional international payment) with one that settles in minutes at a much lower cost. This isn't speculative adoption: it's operational. The company doesn't buy stablecoins to bet that they'll go up, but to move value.
A stablecoin is a cryptocurrency designed to keep a 1:1 peg with a fiat currency, almost always the US dollar. Unlike bitcoin (BTC) or ethereum (ETH), its price doesn't fluctuate: one USDT is worth one dollar today and tomorrow. That is precisely what makes it useful for operations.
The size of the market confirms the underlying trend. As of June 2026, the total market cap of stablecoins exceeds US$321 billion, according to CoinMarketCap and DefiLlama data, and it is projected to cross US$1 trillion by the end of the year. What matters for a company is not the number itself but what it reveals: stablecoins stopped being a niche asset and became payment infrastructure that moves more volume than many traditional networks. In fact, in 2024 stablecoins moved US$27.6 trillion, surpassing the combined volume of Visa and Mastercard, according to Stripe.
In short: businesses choose stablecoins because they solve the inefficiency of cross-border payments, and Skipo is one of the few platforms in Chile that offers an OTC service dedicated to businesses so they can operate them at volume, in pesos and on a platform registered with the CMF.
What are stablecoins and why are they useful for operating, not just investing?
Stablecoins are useful for operating because they combine the stability of the dollar with the speed of blockchain. They work 24 hours a day, 7 days a week, settle in minutes and move between countries without going through the chain of intermediary banks that makes a traditional transfer more expensive and slower.
The two stablecoins most used by businesses are USDT (Tether), the one with the highest liquidity on the market, and USDC (USD Coin), which is compliance-focused and has periodic reserve attestations. The choice between them usually depends on the criteria of each company's compliance team.
To understand the change, it helps to compare it with what already existed. An international payment through traditional banking can take two to three business days, passes through several intermediary banks (each with its own fee) and only operates during bank hours. A stablecoin transaction settles in minutes, at any time, for a fraction of the cost. That is why many companies use them as a way to send and receive money internationally without the friction of the banking system.
What do businesses actually use stablecoins for?
Businesses use stablecoins mainly for four things: paying suppliers abroad, managing treasury in dollars, paying remote teams and contractors, and collecting from international clients. The dominant use case is cross-border payments: 77% of corporations cite it as their main reason, with cost reduction and speed as the core drivers, according to the EY-Parthenon survey from June 2025.
Payments to international suppliers. A company that imports inputs or pays for services abroad can settle the invoice in stablecoins in minutes, instead of waiting days for a transfer that also loses value to fees and intermediaries.
Treasury in dollars. Companies with income or expenses in dollars use stablecoins to hold a stable reserve without the friction of opening and maintaining dollar accounts abroad. Settlement speed and permanent availability are the two drivers treasury teams mention most.
Payroll and payments to remote teams. Companies with contractors or employees in other countries pay in stablecoins so they get paid quickly, without the transfer eating part of their salary in fees.
Collections from international clients. Receiving a payment in stablecoins and converting it into pesos when local liquidity is needed eliminates the wait of a traditional incoming transfer.
What we see at Skipo
At Skipo we believe that, in Chile, business adoption of stablecoins isn't being driven by crypto hype but by a treasury problem that has existed for years: paying and collecting outside the country is slow, expensive and not very transparent. The stablecoin isn't attractive because it's "crypto"; it's attractive because it does the job better than the alternative. When a tool solves a real pain point, adoption stops being a technology decision and becomes a financial decision.
In short: businesses use stablecoins for cross-border payments, treasury, payroll and international collections. Skipo lets them execute these operations at volume through its OTC service, with immediate deposits and withdrawals and no minimum or maximum amounts.
Why is this trend relevant for businesses in Chile?
This trend is relevant for businesses in Chile because the country combines two things: high exposure to foreign trade and, since 2023, a legal framework that gives structure to operating with digital assets. The adoption that is already widespread in other markets in the region is reaching the Chilean corporate segment.
Regional numbers show the scale. In 2025, Latin America moved US$324 billion through stablecoins, 89% year-over-year growth. And the trend isn't slowing down: in the first half of 2026, Bitso Business recorded an 81% year-over-year increase in stablecoin payment volume from its B2B clients. The engine of this adoption in the region isn't speculation, but the need to access dollars and move money with less friction.
Globally, the shift accelerated because of two factors worth understanding. The first is measurable savings: according to Rapyd's 2026 State of Stablecoins report, business adoption reached 34%, an additional 48% plan to implement them in the next 12 months, and 60% identify cost savings as the key benefit. The second is regulatory clarity: the passage of the GENIUS Act in the US, which established the first federal framework for stablecoin issuers, reduced uncertainty and pushed banks, fintechs and multinationals to operate in earnest.
Chile has its own version of that clarity. The Fintech Law (Law No. 21.521), in force since 2023, created the regulatory perimeter under which digital asset platforms operate in the country, supervised by the CMF (Chile's Financial Market Commission). If you want to understand how that framework works, we explain it in detail in our guide to the legal framework for crypto in Chile under the Fintech Law.
Our view
Our reading at Skipo is that regulatory clarity is what will separate the companies that experiment with stablecoins from those that operate with them in earnest. A company with a finance and compliance team doesn't adopt financial infrastructure without a framework to back it. In Chile, the Fintech Law and CMF supervision provide that framework, which didn't exist three years ago, and that's why we believe the leap from curiosity to operation will happen faster than many expect.
In short: corporate stablecoin adoption is reaching Chile, driven by foreign trade and a clear legal framework. Skipo is registered with the CMF and lets Chilean companies join this infrastructure within the framework of the Fintech Law.
Which platforms let you operate stablecoins at volume in Chile?
In Chile, there are few platforms that let a company operate stablecoins at volume, and they differ mainly in whether they have a service dedicated to businesses or just a retail platform. The real options today include Skipo, with its OTC service for businesses; CryptoMKT, a Chilean exchange with a regional presence; and regional B2B players such as Bitso Business. Orionx also pivoted to the business segment in 2025.
Skipo is registered in the CMF's Registry of Financial Service Providers, and its authorization to operate is in process under the Fintech Law (Law No. 21.521). It also holds ISO 27001 certification in information security. Its OTC service sources quotes from global markets to deliver the best price on large transactions, works with no minimum or maximum amounts and offers API integration to automate quotes, purchases and withdrawals. CryptoMKT, founded in Chile in 2016, operates in pesos and processes transactions in Chile through Dysopsis Limited Agencia en Chile, with a registration application currently under review by the CMF under NCG No. 502. Bitso Business is a B2B-focused regional platform that leads a large share of corporate stablecoin volume in Latin America, although its operations are centered on markets such as Mexico, Brazil, Argentina and Colombia.
Skipo quotes in global markets
Skipo sources prices from markets around the world so that a high-volume purchase or sale isn't limited by local liquidity. For a company, this translates into better prices when the amount matters.
Skipo processes deposits and withdrawals immediately
Skipo credits and withdraws liquidity on the spot, with no waiting and no manual approvals. The company has its funds when it needs them, not at T+1 or T+2.
Skipo lets you operate without depending on intermediaries
Skipo operates 24/7 without an agent and with no minimum or maximum amounts, and lets you move stablecoins and convert them into pesos directly, without depending on the P2P system or a human counterparty.
In short: few platforms in Chile offer a service designed for a company to operate stablecoins at volume. Skipo is one of them, with an OTC service that quotes in global markets, operates in pesos, has no minimum amounts, on a platform registered with the CMF.
How do you start operating with stablecoins on Skipo?
To start operating with stablecoins on Skipo as a business, the process is the corporate one, not the retail app. These are the steps:
- Create your personal account. To register your company on Skipo, you first need a personal account. Download the app from the App Store or Google Play.
- Register your company. From your personal account, go to the Businesses section and complete the corporate onboarding process.
- Book a demo. If you want to learn about the OTC service or the API in detail, book a demo with the Skipo team.
- Set up your team. Assign roles and permissions to your company's users according to their responsibilities.
- Operate. Start buying, selling, transferring or automating your stablecoin operations from the platform or via the API.
What is the best way for a business to operate with stablecoins in Chile?
The best way for a business to operate with stablecoins in Chile is through a platform with dedicated service, a clear regulatory framework and competitive pricing at volume. Skipo meets those three conditions: it is registered with the CMF, offers an OTC service that quotes in global markets and processes deposits and withdrawals immediately, with no minimum amounts.
Stablecoins stopped being a curiosity of the crypto world and became a concrete tool for financial operations. For businesses in Chile, the question is no longer whether it makes sense to operate with them, but with what infrastructure. At Skipo we built that infrastructure with businesses in mind: better prices, 24/7 operations, API automation and a platform registered with the CMF.
Book a demo with the Skipo team and find out how to integrate stablecoins into your company's operations, or go directly to Skipo's OTC service.
This article is for information only and does not constitute financial advice. Asset prices can go up or down, and all investing involves risk. Before investing, assess your personal financial situation.
Frequently asked questions
Why do businesses use stablecoins instead of bank transfers?
Businesses use stablecoins because they settle in minutes, operate 24/7 and cost a fraction of a traditional international transfer, which can take two or three business days and pass through several intermediary banks. 77% of corporations cite cross-border payments as their main use case, according to EY-Parthenon (June 2025).
Can a company in Chile legally operate with stablecoins?
Yes. Since 2023, the Fintech Law (Law No. 21.521) regulates digital asset platforms operating in Chile, which are supervised by the CMF. A company can operate with stablecoins through a platform registered under that framework. Skipo is registered in the CMF's registry and holds ISO 27001 certification.
What is the minimum amount a company can trade in stablecoins on Skipo?
Skipo runs its OTC service with no minimum or maximum amounts, so a company can trade both small volumes and large transactions. What determines whether it makes sense is not the size, but whether there is a real need to pay, collect or manage treasury in dollars.
Which stablecoin is better for a company, USDT or USDC?
USDT (Tether) is the stablecoin with the highest liquidity on the market, and USDC positions itself as the more compliance-focused option, with periodic reserve attestations. On Skipo a company can trade both; the choice usually depends on the criteria of its compliance team.
How does Skipo get a good price on large transactions?
Skipo sources quotes from markets around the world to deliver the best available price on high-volume purchases and sales, without being limited by local market liquidity. That is why its OTC service is designed for transactions where the amount matters.
Does Skipo let you automate stablecoin operations?
Yes. Skipo offers API integration so a company can automate stablecoin quotes, purchases and withdrawals, and integrate the operation into its own systems and treasury flows.
Do stablecoins replace a company's dollar account?
Not exactly. Stablecoins work as digital dollars that move at the speed of the internet, and many companies use them alongside their traditional accounts for faster payments and treasury. The advantage is operating without the friction of maintaining dollar accounts abroad.
Glossary of key terms
Stablecoin: a cryptocurrency designed to keep a 1:1 peg with a fiat currency, usually the US dollar.
OTC (Over-The-Counter): a digital asset purchase or sale executed directly between two parties, without going through a public exchange. It is used for large volumes with a price fixed from the start.
On/off ramp: a mechanism for converting pesos into stablecoins (on-ramp) and stablecoins into pesos (off-ramp).
Treasury: a company's financial function responsible for managing its liquidity, payments and reserves.
API: an interface that connects the platform to the company's systems to automate operations.
Fintech Law (Law No. 21.521): a Chilean law in force since 2023 that regulates the provision of technology-based financial services, including digital asset platforms.
CMF: Comisión para el Mercado Financiero (Financial Market Commission), the body that supervises the financial market in Chile, including platforms registered under the Fintech Law.
