BitRail is turning up the heat in the stablecoin payments race. The digital wallet and stablecoin infrastructure provider announced an expanded merchant network and new funding options for its branded wallets — including credit card and ACH payments, with Buy Now, Pay Later (BNPL) functionality on the way.

The move positions BitRail as a serious challenger to legacy payment processors and “Web2.5” fintechs like PayPal and Square by giving merchants the tools to launch their own branded stablecoins and digital wallets—without the regulatory headache or high processing fees.

Giving Merchants the Power of Platforms

Under BitRail’s white-label model, every merchant gets their own branded wallet that can handle both traditional payments and merchant-specific stablecoins pegged 1:1 to the U.S. dollar. That means instant settlements, drastically lower transaction fees, and no dependency on third-party rails like Visa or Mastercard.

According to CEO Jeff Siegel, merchants using BitRail can slash processing costs by up to 50%, accelerate settlements, and boost loyalty with built-in marketing and rewards features.

“As the payments landscape evolves, merchants deserve the same power and efficiency that major platforms enjoy,” Siegel said. “BitRail enables any merchant to launch their own branded wallet and stablecoin—cutting costs and building stronger customer loyalty.”

Why This Matters

BitRail’s approach could be a game-changer for mid-sized merchants and platforms squeezed by credit card fees and long settlement times. By operating in a closed-loop ecosystem, BitRail sidesteps much of the friction of open payment networks while still maintaining full regulatory compliance — it’s licensed to transmit money in all 50 U.S. states and Washington, D.C.

The platform also comes loaded with loyalty integrations, data analytics, and access to 1.2 million registered users, giving merchants both reach and retention tools.

A Simpler, Faster Wallet for Users

Consumers benefit too. The BitRail wallet offers:

• Instant, low-cost transactions
• Multiple funding options (credit, ACH, and soon BNPL)
• Single sign-on across participating merchants
• Rewards and special offers
• Zero hidden fees or subscriptions

All stablecoins remain fully collateralized and compliant, offering transparency and security in a sector often clouded by volatility and regulatory uncertainty.

A Competitive Play in the Stablecoin Economy

As stablecoin adoption accelerates—driven by players like PayPal’s PYUSD and Stripe’s growing crypto integrations—BitRail’s merchant-first strategy could carve out a unique niche. Instead of pushing one branded coin across all merchants, BitRail acts as the infrastructure layer that lets each merchant become its own payment network.

If it scales as promised, BitRail could do for stablecoin payments what Shopify did for e-commerce — democratize enterprise-grade tools for everyone else.