Does FinTech help with central bank planning? What about international business? We have heard that payment systems are changing with the use of digital currencies such as stablecoins and cryptocurrency or is this just a fad? Will the system we know as money receive an upgrade, revolutionize the way we conduct business and lead our daily lives or merely additional outlets for speculation.

This paper addresses each question and our findings show stable coins, a form of digital currency has less volatility than most of the G20 currencies against the USD. Value can be transferred with less volatility, thus stablecoins can be used to facilitate business. This paves a realistic way to reduce the risk of doing international business which requires payment to suppliers and receiving money from customers.