Your Customer Pays In Stablecoins. What Does Your Business Actually Receive?

A customer may pay in stablecoins while the merchant receives dirhams. Network International’s announcement on 9 September 2026 illustrates how this can work: its retail payment pilot uses DDSC, a digital token designed to maintain a value of one UAE dirham per token, but allows merchants to receive sales proceeds in either DDSC or UAE dirhams. This choice of how the merchant is paid, known as settlement, is central to understanding what a stablecoin payment means for the merchant receiving it.¹

For a merchant considering this payment option, the question goes beyond which settlement option to choose. Before the first transaction, the merchant needs to understand what it is entitled to receive, from whom and at what point in the payment process.