Havven is developing a decentralized payment network based on stablecoins. It is designed to enable cryptocurrency to be used for every day purchases. Havven's payment network is based on a dual token system that reduces price volatility for the stablecoins that will be used to make payments. The fees from transactions within the system are used to collateralise the network. The collateral is secured by the blockchain, enabling the creation of a new asset-backed stablecoin, nomin tokens. Each transaction will generate fees that are paid to HAV token holders. The company launched nUSD, a USD-pegged cryptocurrency, and has plans to create other stablecoins that will be pegged to other fiat currencies, including: nEUR, nJPY, nAUD, and nKRW.

Crypto.com Chain is a decentralized mobile cryptocurrency payment solution built on the Ethereum blockchain. Crytpo.com previously issued a consumer focused payment card that is powered by the Ethereum-based MCO token. The Crypto.com Chain was created to replace traditional financial networks that do not accommodate cryptocurrency payments. Their native crypto network is designed to increase merchants’ ability to accept crypto as a form of payment.

Metal is a cryptocurrency payment service that lets users earn tokens when they send money through their App. Users are rewarded with Ethereum-based MTL tokens when they make payments through the App. The company has also developed a mobile App called Crumbs, that allows users to round up the total of their credit/debit card purchases, and have the difference be automatically used to purchase cryptocurrency.