Rizon, a fintech startup founded by Lithuanian entrepreneurs Ignas Survila and Laurynas Jokubaitis, has introduced a stablecoin app designed to simplify the use of digital dollars worldwide. The app, which is available in 110 countries, enables users to spend USDC and USDT through Visa-backed payment cards, Apple Pay, and ATMs while maintaining a non-custodial architecture.
The app addresses the complexities of spending stablecoins by handling blockchain processes in the background. Users interact with a streamlined interface that mirrors traditional financial apps, making it accessible to both crypto-native and mainstream users. This approach allows individuals to hold their own keys while using digital dollars seamlessly for everyday transactions.
The focus on simplicity reflects Rizon’s aim to integrate digital dollars into daily life without requiring users to manage private keys, transaction fees, or exchange mechanisms. By providing a familiar user interface, the app bridges the gap between conventional banking and digital currency.
Rizon’s infrastructure relies on several established partners to deliver a secure and compliant experience. Privy provides wallet infrastructure and authentication, Rain manages payment card issuance, compliance, and backend integration, and Visa enables global merchant acceptance. Circle, the issuer of USDC, provides liquidity and stability for one of the app’s key supported digital dollars.
These partnerships allow Rizon to focus on the user experience while leveraging specialized platforms for security, compliance, and payment processing. The collaboration also ensures that spending stablecoins can be integrated into existing financial networks with minimal friction.
Rizon’s non-custodial architecture ensures that users maintain control over their funds, rather than relying on a third-party custodian. This design reduces certain risks associated with centralized management, such as potential security breaches or insolvency events.
Non-custodial wallets rely on cryptographic keys that remain with the user, meaning transactions and fund management occur without direct intervention from a central authority. For consumers, this translates to greater control and transparency over their financial activity. For merchants and payment networks, Rizon handles the technical complexity of converting stablecoins into spendable fiat currency during transactions.
regulatory context and adoption
Stablecoin usage has grown steadily, with reports indicating over $137 billion in circulation globally. Governments and regulators have taken increasing interest in these digital assets, seeking frameworks that ensure consumer protection while encouraging innovation.
In the U.S., the passage of the GENIUS Act represents the first federal law regulating stablecoins. This legislation provides a framework for trust and compliance and sets requirements for issuers and payment providers. Analysts from the World Economic Forum highlight stablecoins as a tool for improving financial inclusion, especially in regions where access to traditional banking is limited.
Rizon aims to make stablecoins more accessible, secure, and practical for everyday users. By integrating compliance and payment infrastructure, the app positions itself as a bridge between regulated financial networks and decentralized digital currencies.
The founders bring significant expertise in blockchain and fintech ventures. Ignas Survila is a serial entrepreneur who has founded and exited two startups. Laurynas Jokubaitis previously raised $37 million through a crypto-loyalty company and co-founded Heiko Network, which was backed by Lightspeed Faction.
Their combined experience has shaped Rizon’s mission to make stablecoins usable for everyday financial transactions. By leveraging their understanding of product design, regulatory landscapes, and user experience, the founders aim to lower the barriers for digital dollar adoption.
The app is available on both iOS and Android, ensuring wide accessibility. Users can load, store, and spend USDC or USDT in real time, whether online, in stores, or at ATMs. Payments can be made through linked Visa cards or digital wallets such as Apple Pay, providing convenience comparable to traditional banking solutions.
Rizon’s interface prioritizes clarity and usability. Users can monitor balances, track transaction histories, and initiate transfers without navigating complex blockchain terminology. Push notifications and in-app guidance further simplify financial management, making the platform approachable for users with varying levels of digital currency experience.
By enabling spending stablecoins across borders, Rizon contributes to financial inclusion in regions where traditional banking services are limited. Digital dollars can be used for online purchases, remittances, and merchant transactions without the delays or costs often associated with international banking.
The app also offers a bridge for small businesses and individual entrepreneurs seeking access to digital payments. By accepting stablecoins, merchants can reduce dependence on cash and traditional banking infrastructure while reaching a global customer base.
Rizon plans to expand its global presence, leveraging partnerships and non-custodial architecture to provide a secure and accessible platform for digital dollar transactions. Continued regulatory clarity, combined with increasing consumer familiarity with stablecoins, could further accelerate adoption.
The app also aligns with broader trends in decentralized finance and internet-native financial systems. Analysts note that digital dollars and stablecoins may play a growing role in online commerce, digital remittances, and cross-border payments.
With the Rizon launches stablecoin app, users gain access to a platform that integrates traditional payment methods and digital currencies. By combining a user-friendly interface, non-custodial security, and global partnerships, Rizon seeks to make spending stablecoins practical for everyday financial activities while navigating an evolving regulatory landscape. The platform reflects a growing effort to mainstream digital dollars and bridge the gap between crypto and conventional finance.
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