Summary
Coins.ph has integrated with Tempo, the payments-first blockchain incubated by Stripe and Paradigm, to give its users near-zero-cost, sub-second stablecoin transfers. The integration expands Coins.ph's multi-chain architecture, aiming to meet growing demand for faster, cheaper stablecoin transfers across retail payments, business disbursements and remittances. Tempo is an Ethereum-compatible Layer 1 blockchain built specifically for stablecoin payments, using dedicated payment lanes to keep financial transfers isolated from congestion-heavy activity.
Key Facts
- Coins.ph integrated with Tempo for USDT and USDC stablecoin transfers
- Tempo is an Ethereum-compatible Layer 1 blockchain built for stablecoin payments
- Network settles transactions in roughly half a second
- Users can pay gas fees directly in stablecoins (USDT/USDC) rather than a separate volatile token
- Runs protocol-level know-your-transaction compliance and sanctions screening
- Supports USDT and USDC on Tempo via canonical USDT0 and USDC.e formats
- Tempo launched on mainnet in March 2026 after Stripe and Paradigm unveiled the project in September 2025
- Network raised $500 million valuing it at $5 billion
- Stripe, Visa and Zodia Custody added as first external validators
- Coins.ph launched PHPC, its peso-pegged stablecoin, on Ronin in 2024 under BSP's regulatory sandbox
- Suits cross-border remittances, corporate payroll, batch payouts, e-commerce and B2B merchant settlement
Why It Matters
Coins.ph's integration with Tempo reflects the growing use of stablecoins as the default rail for cross-border commerce and remittances, particularly in markets like the Philippines where remittances are a major economic driver. By providing near-zero-cost, sub-second settlement with native stablecoin gas fees and protocol-level compliance, Tempo offers enterprise-grade stablecoin rails that could significantly reduce the cost and friction of cross-border transfers. The integration builds on Coins.ph's existing stablecoin work, including its PHPC peso-pegged stablecoin. For the fintech sector, the move underscores the strategic importance of stablecoin infrastructure in Southeast Asia and the competition among blockchain networks to capture remittance and payments flows.