JD.com to Pursue Global Stablecoin License for Fast, Cheap Payments

1. JD.com targets stablecoin licenses worldwide to slash cross-border costs.
2. B2B launches first, consumer adoption soon after.
3. Aims for settlement in under 10 seconds, boosting global commerce.

JD.com Chairman Richard Liu announced the company’s plan to apply for stablecoin licenses globally, aiming to cut cross-border payment costs by 90% and reduce settlement times to under 10 seconds. That would be a major leap forward compared to traditional banking and remittance services, which often take days and charge hefty fees.

From Business to Consumer Markets

B2B Rollout First, Then Consumers
Initially, JD.com’s stablecoin initiative will focus on B2B payments, enabling seamless transactions between companies across borders. Once that infrastructure proves reliable, the plan is to extend it to consumer payments worldwide, allowing everyday users to send and receive value instantly and affordably.

Impacts on Global Commerce

Why It Matters

• Efficiency: Near-instant settlement removes lengthy waits and exchange rate risk.
• Cost Savings: A 90% cost reduction makes small cross-border transfers economically viable.
• Competitive Edge: JD.com could position itself as a leader in blockchain-powered global commerce.

By acquiring stablecoin licenses in multiple jurisdictions, JD.com navigates regulatory hurdles and ensures compliance—essential for institutional trust and consumer confidence.

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