Zipping through a crypto checkout lane at Amazon or Walmart, paying instantly with digital dollars that skip hefty credit card fees. On June 13, 2025, The Wall Street Journal reported that these retail giants are exploring USD-pegged stablecoins to revolutionize e-commerce, potentially saving $14B annually, per @TechnicalNewsHQ. For shoppers in Vietnam and beyond, this guide unpacks how stablecoins could make online purchases faster and cheaper, like a high-speed lane to a new shopping era!
Why Are Amazon and Walmart Betting on Stablecoins?
Amazon ($638B revenue in 2024) and Walmart ($100B e-commerce sales in 2023), per cointelegraph.com, aim to issue stablecoins to bypass Visa and Mastercard’s 1-3% fees, per axios.com. The GENIUS Act, advancing in the Senate, per investopedia.com, could greenlight this shift, like opening a new checkout lane for digital payments.
1. Cutting Billions in Fees
Retailers pay $32B yearly in interchange fees, per axios.com. Stablecoins could save Amazon $50B and Walmart $40B over five years, per webscrypto.com, like skipping the middleman at checkout.[](https://www.axios.com/2025/06/13/amazon-walmart-stablecoin)
2. Regulatory Tailwinds
The GENIUS Act, set for a Senate vote, enforces 1:1 USD reserves and AML compliance, per coinspeaker.com. This clarity boosts trust, per @TheDeFiDefender, like a lane with clear signage for shoppers.
How Do Stablecoins Work for Shopping?
Stablecoins, pegged to the USD, settle in seconds on blockchains like Ethereum or Solana, per cointribune.com. They’re like digital cash in your wallet, offering instant, low-cost payments, per @DTPaymentNews.
1. Faster Checkouts
Unlike card payments taking days, stablecoins settle in seconds, per webscrypto.com. Amazon’s same-day settlement could save 20 bps on cash flow, like a checkout lane that never slows down.
2. Global Reach
Stablecoins streamline cross-border payments, vital for Walmart’s $100B global e-commerce, per cointelegraph.com. Shopify’s USDC integration, per paymentsjournal.com, shows the path, like a lane open worldwide.
How Will Stablecoins Change Your Shopping?
With $250B in stablecoin circulation, per coinpedia.org, Amazon and Walmart’s move could make crypto payments common, impacting $447B in Amazon’s e-commerce sales, per coinspeaker.com, like a checkout lane for millions.
1. Cheaper Purchases
Fee savings might lower prices or offer discounts, per mishtalk.com. Walmart’s 2% cashback idea, per @misterg3234, could sweeten deals, like a coupon at checkout.
2. Faster Refunds
Stablecoins enable instant refunds, per axios.com, unlike card chargebacks taking 180 days, per webscrypto.com. It’s like getting cash back the moment you return an item.
Opportunities for Shoppers
Stablecoins open new ways to shop smarter, per finimize.com, like choosing a faster lane with perks for early adopters.
1. Try Stablecoin Wallets
Load $10-$20 into USDC via Coinbase, per paymentsjournal.com, to shop at merchants like Shopify, preparing for Amazon’s move, per @AlvaApp. It’s like prepping your cart for a new lane.[](https://www.paymentsjournal.com/walmart-and-amazon-mull-launching-branded-stablecoins/)
2. Watch Retail Trends
Follow Amazon and Walmart on coindesk.com, per @TechnicalNewsHQ, as giants like Apple and Airbnb join in, per cointribune.com. It’s like scouting new checkout options.
Risks to Consider
Stablecoins face hurdles, like consumer trust and bank pushback, per dailymail.co.uk, that could jam the checkout lane in 2025.
1. Trust and Adoption
Shoppers may hesitate to hold stablecoins, per axios.com, like managing prepaid cards. Past failures like Meta’s Diem, per gizmodo.com, raise doubts, per @misterg3234.[](https://www.axios.com/2025/06/13/amazon-walmart-stablecoin)
2. Systemic Risks
Banks losing $32B in fees, per axios.com, and $302M in 2025 DeFi hacks, per @AIhackers_, threaten stability, like a lane prone to breakdowns.
Tips to Shop with Stablecoins
Ready to cruise the crypto checkout lane? These tips keep you ahead, per binance.com, like a savvy shopper in 2025’s digital boom.
1. Start Small
Buy $10-$20 in USDC on Coinbase, per paymentsjournal.com, to test payments, like trying a new lane cautiously, per @DTPaymentNews.
2. Stay Updated
Track @TheDeFiDefender and coinpedia.org for stablecoin news, per @TechnicalNewsHQ. Monitor the GENIUS Act on congress.gov, like checking lane conditions.
Will Stablecoins Redefine Shopping in 2025?
Amazon and Walmart’s stablecoin plans, per investopedia.com, could save $14B in fees, per @TechnicalNewsHQ, and speed up $447B in e-commerce, per coinspeaker.com. Try USDC on Coinbase, follow @AlvaApp, but watch for $302M hacks, per @AIhackers_, and trust issues, per axios.com. Will stablecoins become your go-to checkout lane or face roadblocks? Step into 2025’s digital shopping revolution and find out!
