The offering is designed to eliminate uncertainty caused by conversion spreads and multi-network routing, which often prevent stablecoin transactions from maintaining a true 1:1 value in practice.
Rhino.fi has unveiled a new solution, Stablecoin 1:1, aimed at bringing greater predictability and transparency to how neobanks and fintechs accept and settle USD-pegged stablecoins across more than 25 blockchain networks. The offering is designed to eliminate uncertainty caused by conversion spreads and multi-network routing, which often prevent stablecoin transactions from maintaining a true 1:1 value in practice.
Although stablecoins are designed to track the US dollar, real-world transactions can be affected by fees and liquidity differences across chains. Industry research cited in the European Journal of Finance suggests that major USD-pegged stablecoins can experience an annualised devaluation probability averaging 60 basis points under normal conditions, rising significantly during market stress. For financial institutions, this introduces challenges such as unpredictable settlement values and hidden costs, especially at scale.
Rhino.fi’s Stablecoin 1:1 addresses these issues by continuously monitoring global exchange rates between USDC and USDT and offering a fixed 1:1 quote with clearly defined fees and no hidden spreads. This allows businesses to know exactly what they will receive at the point of transaction, while also giving them the flexibility to either absorb or pass on fees to end users depending on their pricing model.
The company highlighted that even small inefficiencies can lead to significant financial leakage. For example, a business processing $10 million monthly could lose around $5,000 due to minor spreads and routing inefficiencies, underscoring the importance of precision in stablecoin settlement. By removing this uncertainty, Rhino.fi aims to provide a more reliable foundation for payments, remittances, and B2B financial operations.
The solution is built on Rhino.fi’s six years of experience developing API infrastructure for stablecoin deposits and settlement. Stablecoin 1:1 extends this infrastructure by enabling seamless transactions across major blockchain networks including Ethereum, Tron, TON, Base, Polygon, Arbitrum, and Solana, while incorporating safeguards to prevent arbitrage and ensure fair execution.
According to the company, this innovation is part of a broader shift toward treating stablecoins as core payment infrastructure rather than speculative digital assets. Regulatory developments such as the EU’s MiCA framework are also reinforcing the need for transparency and consistency in stablecoin usage across financial systems.
Industry partners, including WirexPay, have joined the rollout, signaling growing interest in stablecoin-based payment solutions. Rhino.fi leadership noted that the goal is to simplify a long-standing challenge in the sector by removing ambiguity around transaction outcomes.
As stated by CEO Will Harborne, stablecoins are meant to function as “dollars on the internet,” but have often behaved like fragmented assets. The new system seeks to change that by delivering consistency, predictability, and usability at scale. Additionally, CGO Lexi Short emphasized that predictability is key to transforming stablecoins into reliable financial infrastructure rather than just a crypto feature.
