Chatter transforms the payment experience from a transactional endpoint into a powerful growth engine. Built using dollar- and euro-denominated stablecoins as settlement assets, we enable near-instant cross-border trade and global utility payments across 800+ operators, including airtime, data, and electricity, with reduced traditional banking friction.
Beyond settlement, we help address the global $1.3T+ annual problem of customer churn. Improving retention by just 5% can be associated with revenue increases of 25% to 95%, and Chatter is engineered to capture this specific opportunity.
We provide an autonomous customer-retention pipeline and robust API infrastructure, allowing businesses to plug in and intelligently re-engage existing users to boost lifetime value (LTV).
Our agentic loyalty engine delivers hyper-personalised, data-augmented messaging across the channels customers use most: WhatsApp, Telegram, Email, and Push Notifications.
By fusing stablecoin efficiency with smart, automated engagement, Chatter helps merchants and startups turn transactions into lasting, revenue-generating relationships.
Chatter enables businesses to send and receive fast, low-cost digital dollar and euro-denominated stablecoin payments globally, reducing delays and high fees associated with traditional banking rails. This gives merchants more predictable settlement and faster access to liquidity across borders.
With stablecoin checkout and instant settlement, online merchants can accept global payments without card chargebacks and with reduced currency volatility or blocked card transactions. Chatter makes cross-border e-commerce simpler for both buyers and sellers.
Chatter uses stablecoins to streamline merchant settlement, providing near-instant clearing and reconciliation across multiple channels (mobile, Telegram, WhatsApp, web). This reduces operational overhead and improves cash flow efficiency.
Users can send money instantly across borders using digital dollars with low friction. Chatter leverages stablecoin rails to make remittances faster, cheaper, and more accessible than traditional remittance providers.
Chatter allows users in emerging markets to access and hold digital dollars as a more stable store of value. This helps protect them from currency instability while enabling global spending and utility purchases.
By settling invoices and cross-border trade transactions in digital dollars and euro-denominated stablecoins, Chatter reduces delays, FX uncertainty, and documentation friction, giving small and medium businesses a faster, more predictable way to finance and fulfill trade.
This site contains content and information, including links to other sites and resources, that was prepared by third parties ("Third Party Content") who are not affiliated with Circle or any of its affiliates (collectively "Circle"). Circle makes no representations on the accuracy, suitability, or validity of Third Party Content. As such, Circle is neither responsible nor liable for any Third Party Content, including any errors, omissions, or delays, or for any actions taken in reliance upon any Thirds Party Content. Reference to any specific company, product, service, or website of any third party does not constitute an implied or express endorsement, recommendation, favoring or validation by Circle. All content provided is for educational and informational purposes only. Circle shall not be liable for any damage or loss relating to use of, or reliance upon, the Third Party Content.