Loadit is an AI-powered financial rail that converts cash, cards, and fiat into stablecoins and crypto in seconds. Its patent-pending Unified Financial Rail uses its AI, HQ, to route every payment across the cheapest, fastest network available.

How does Loadit turn cash into crypto?

A shopper pays with cash or card at a merchant on the Loadit network. The transaction is tokenized, identity-verified, and routed by HQ across L1s, L2s, Lightning, or banks — settling on-chain in seconds while the merchant still receives familiar fiat.

How does HQ route payments?

HQ is Loadit's AI routing engine. It scores routes across legacy processors, blockchains, and liquidity pools in real time, choosing the optimal settlement path on every transaction — cutting fees by up to 86%.

Which networks does Loadit support?

Loadit arbitrates across Bitcoin, Ethereum, Solana, Base, XRPL, Polygon, the Lightning Network, and traditional banks — treating them as one unified rail.

Yes. Loadit uses end-to-end encryption, identity verification bound to every transaction, in-rail compliance with cryptographic audit trails, continuous AI monitoring, a self-healing network, and post-quantum-ready primitives.

What does Loadit charge?

Loadit charges a flat 0.75% convenience fee — built to compete with banks, not to extract from users. Its HQ engine routes the underlying network fees to the cheapest available path.

No. Loadit is non-custodial and never holds user funds. Keys and signing stay with the user's wallet; Loadit only routes and settles payments.

HQ is Loadit's AI. In the app, you tell it what you want to do with your money in plain language; on the rail, the same intelligence scores every network and executes the cheapest real route.

Pulse is Loadit's offline payments feature. You can send money to any phone nearby over Bluetooth with no internet; funds are locked in escrow and a cryptographically signed claim settles the moment either phone reconnects.

← Learn

Explainer

Crypto and stablecoins explained

The differences, advantages, and payment use cases of crypto and stablecoins — in plain language for anyone moving money, sending remittances, or accepting payments.

Updated July 6, 2026 · 5 min read

“Crypto” and “stablecoins” get used interchangeably, but they solve different problems. Understanding the difference is the key to using either one well — especially for payments. Here's the plain- language version.

What is cryptocurrency?

A cryptocurrency is digital money recorded on a blockchain — a shared, tamper-resistant ledger that no single company controls. Bitcoin and Ethereum are the best-known. Their prices float: supply and demand move them up and down, sometimes sharply. That makes them useful as investments and as the “fuel” that powers their networks, but awkward for everyday pricing — no one wants a coffee to cost a different amount every hour.

What is a stablecoin?

A stablecoin is a cryptocurrency engineered to hold a steady value, almost always pegged to the US dollar. One unit of a reputable stablecoin like USDC is designed to always be worth about $1, backed by real reserves. You get the superpowers of crypto — instant, global, programmable, low-fee — without the price swings. That combination is why stablecoins have become the default rail for on-chain payments.

Crypto vs. stablecoins at a glance

Price: crypto floats; stablecoins stay pegged (≈$1).
Main use: crypto for investing and network fees; stablecoins for payments and saving in dollars.
Volatility: high for crypto; near-zero for stablecoins.
Shared traits: both settle globally in seconds, move for cents, and are non-custodial when you hold your own keys.

Where each shines in payments

Stablecoins

Remittances: send dollars abroad in seconds for a few cents instead of days and high fees.
Merchant settlement: receive dollar value instantly without card-network delays.
Saving in dollars: hold value in USD terms from anywhere in the world.

Volatile crypto

Investing and exposure: owning BTC, ETH, SOL, and others.
Network fees: paying “gas” to use a blockchain.
Store of value: Bitcoin as long-term, scarce digital money.

How Loadit fits

Loadit lets anyone turn cash or a card into the crypto or stablecoin they want in seconds, then send it to a @handle or any wallet address — or even to a phone nearby with no internet. Under the hood, Loadit's AI routing engine moves value over the cheapest, fastest network and is fully non-custodial, so you always hold your own funds. Whether you want the stability of USDC or exposure to Bitcoin, the mechanics are handled for you.

Frequently asked questions

What is the difference between crypto and stablecoins?

A stablecoin is a type of cryptocurrency pegged to a stable asset — usually the US dollar — so 1 unit stays worth about $1. Other crypto like Bitcoin or Ethereum floats freely in price. Stablecoins are used for payments and saving in dollars; volatile crypto is used for investing and as network fuel.

Are stablecoins safe to use for payments?

Reputable, fully-backed stablecoins like USDC are widely used for payments because they hold their value, settle in seconds, and cost pennies to move. Safety depends on the issuer's reserves and the network used — a good rail handles network selection and compliance for you.

Can I use stablecoins to send money internationally?

Yes. Stablecoins settle globally in seconds for a few cents, making them ideal for remittances and cross-border payments versus multi-day, high-fee wires. Loadit lets you turn cash into stablecoins or any crypto and send to a @handle or wallet.

Try it with Loadit

Turn cash or card into crypto in seconds — AI-routed, non-custodial.

Get the app →