Fintech startup Rizon is entering the stablecoin arena with a big promise: to make spending digital dollars as simple as swiping a card or tapping a phone. Launched by Lithuanian founders Ignas Survila and Laurynas Jokubaitis, the Rizon app is now available in 110 countries—and it’s gunning to be the easiest way to use USDC and USDT in real life.

From a sleek interface to a backend built on non-custodial principles, Rizon is betting big on the idea that stablecoins—regulated or not—are the future of borderless finance.

“We’re witnessing the rise of a truly internet-native financial system—centered around one simple, powerful idea: a dollar in the cloud,” said Survila, Rizon’s CEO and a twice-exited founder.

Swipe, Tap, Spend: Stablecoins Get Their App Store Moment

At its core, Rizon aims to abstract away the clunky mechanics of blockchain for end users. The app lets people spend stablecoins via Visa-backed payment cards, Apple Pay, or even withdraw from ATMs. While blockchain infrastructure hums in the background, users get a clean, intuitive UI that feels like using any other fintech wallet.

Crucially, Rizon maintains a non-custodial architecture. That means users hold their own keys—Rizon doesn’t have access to customer funds. It’s a model more familiar to Web3 natives than fintech die-hards, but Rizon wants to bring this level of autonomy to everyday users.

Infrastructure That Stays Out of the Way

Rizon’s simplicity hides a layered tech stack powered by strategic partnerships:

• Privy powers wallet infrastructure and secure login flows.
• Rain handles payment card issuance and compliance.
• Visa bridges stablecoins to everyday merchants, online and off.
• Circle, issuer of USDC, brings trust and liquidity to the stablecoin side of the equation.

In short, Rizon has woven together a tapestry of infrastructure players so users don’t have to think about the blockchain under the hood. The company’s design principle? “It just works.”

The Timing Couldn’t Be Better

Rizon’s launch lands at a pivotal moment. Stablecoin adoption is exploding—$137 billion in circulation as of mid-2025—and regulators are starting to catch up. The U.S. recently passed the GENIUS Act, the country’s first formal legislation for stablecoins, lending long-awaited regulatory clarity to a fast-growing sector.

A World Economic Forum report cited stablecoins as one of the most viable entry points for emerging-market financial inclusion. Rizon is leaning into that narrative, offering a tool that could be as valuable in Lagos or São Paulo as it is in London or San Francisco.

And with stablecoin payments projected to rival traditional card transactions in volume over the next five years, Rizon’s cross-border ambitions aren’t just visionary—they’re strategic.

Founders with Credibility—and a Track Record

Co-founders Survila and Jokubaitis are no strangers to the startup and crypto world. Survila has successfully exited two startups, while Jokubaitis previously raised $37 million for a crypto-loyalty venture and co-founded Heiko Network, which is backed by Lightspeed Faction. Their shared goal with Rizon? Make digital dollars usable for the average smartphone user.

What’s Next for Rizon?

Now live on iOS and Android, Rizon is in growth mode. It’s already available in over 100 countries, and its integration with global payment rails gives it a massive head start over more localized competitors.

Whether Rizon can become the go-to app for “spending stablecoins like cash” depends on scale, security, and staying ahead of regulatory headwinds. But with the infrastructure in place, a sharp founding team, and a product that makes Web3 look like Web2, Rizon could be one of the breakout fintech names of the post-stablecoin-regulation era.