In April 2025, Circle made one of its boldest moves yet: launching the Circle Payments Network (CPN) — a global infrastructure layer built on blockchain rails.
This isn’t a retail crypto product. It’s a B2B payments framework designed to enable instant, borderless, and fully transparent transactions using regulated stablecoins like USDC and EURC.
It’s fast. It’s programmable. And it’s already shaping up to be a real alternative to both card schemes and legacy bank rails.
CPN flips the traditional payments model on its head. Instead of relying on 40-year-old card networks or SWIFT messaging rails, Circle’s network settles payments directly on-chain — globally, and in real time.
Key Advantages:
- Real-Time Cross-Border Settlement — No batching, no cut-off times. Payments clear in seconds.
- Fully Regulated Stablecoins — USDC and EURC are price-stable, transparent, and trusted.
- Fintech-Ready APIs — Seamless integration for platforms, wallets, and PSPs.
- Transparency & Security — Blockchain-native infrastructure means full auditability and reduced fraud risk.
- Fintech startups & PSPs looking to move funds faster and cheaper
- Marketplaces & platforms wanting to pay global sellers without legacy wires
- Banks & EMIs needing modern rails for settlement and liquidity
- Developers building wallets, payout tools, or programmable financial flows
With Circle now entering the payments arena in full force, comparisons to RippleNet are inevitable. Both offer blockchain-based solutions to outdated financial systems — but their approaches, assets, and integrations differ significantly.
Here’s how they stack up:
| Feature | Circle Payments Network (CPN) | RippleNet |
| Settlement Asset | USDC, EURC (regulated stablecoins) | XRP or fiat-backed gateway tokens |
| Target Users | Fintechs, wallets, PSPs, eMoney institutions | Banks, remittance firms, enterprise payment hubs |
| On-Chain Transparency | Yes — public chains (Ethereum, Solana, etc.) | Partial — Ripple Ledger is private |
| Real-Time Settlement | Yes — native on-chain transfers | Yes — but depends on corridor liquidity |
| Developer Focus | Open APIs, fintech-first | Enterprise SDKs, integration-heavy |
| Regulatory Positioning | Proactively compliant; stablecoin-driven | XRP subject to litigation and scrutiny |
| Programmability | Fully programmable; composable payments | Limited support for smart contracts |
| Access Model | Open to regulated partners (KYB onboarding) | Closed-loop; must partner with Ripple |
- Ripple is still strong for bank-led corridors and treasury use cases.
- Circle’s network is clearly built for today’s fintech builders, offering more flexibility, lower volatility, and better developer support.
If you're building a future-proof payments product in 2025, Circle offers more composability, clarity, and speed.
Circle is onboarding partners globally — from wallets and payment providers to neobanks and EMIs. To gain access, you’ll need to meet a few conditions:
- Proven regulatory compliance (KYC/KYB)
- Technical readiness for stablecoin flows
- Strong AML/sanctions frameworks
- Infrastructure for crypto-native custody or orchestration
Circle’s network marks a turning point. We’re no longer theorizing about crypto rails — they’re live, compliant, and disrupting card-based settlement.
At Obtained.com, we help ambitious companies do more than watch from the sidelines:
- Connect to modern payment networks like Circle, SWIFT GPI, or Visa Direct
- Navigate crypto and fiat compliance with licensing, KYB, and orchestration
- Deploy payment stacks that blend blockchain and card scheme flows with minimal friction
Building for global scale? Want access to smarter rails?
Book a strategy call