MiniPay, a non‑custodial stablecoin wallet integrated with Opera Mini, has partnered with NOAH to enable ACH/SEPA USD and EUR payouts that settle directly into stablecoins for freelancers and sellers across 70+ markets.

The integration introduces virtual USD/EUR account details so clients can pay via traditional rails, while recipients convert to USDC, USDT, or cUSD in MiniPay with sub‑cent fees and near‑instant settlement. This matters for the gig economy where payout latency, FX spreads, and compliance friction have made platforms like Payoneer and Wise default choices; stablecoin rails compress costs and expand weekend/after‑hours availability.

MiniPay reports 10 million activated wallets and 271 million transactions since launch, giving the partnership immediate distribution across Opera’s mobile footprint in Africa and other emerging markets. Noah’s infrastructure also connects to local payment methods, enabling global‑to‑local spending via bank transfers and mobile money without forcing users into centralized custodial accounts.

Regulatory posture remains pivotal: while MiniPay is non‑custodial, fiat on/off‑ramp providers still require KYC/AML, and country‑level e‑money and FX rules will shape rollout speed.If executed at scale, ACH/SEPA‑to‑stablecoin payouts could reprice cross‑border contractor payments and push traditional providers to add stablecoin settlement options.