Y Combinator внедряет финансирование стартапов через USDC Translation: Y Combinator Implements Startup Funding through USDC

The venture fund Y Combinator (YC), which operates as a business incubator for startups, will enable project founders to receive funding in stablecoins. This was reported by The Block.

This opportunity will be available not only for crypto-focused projects but also for all YC-supported startups across various sectors, clarified Nemil Dalal, an invited partner of the accelerator, in an interview with the publication.

According to him, the company plans to start offering funding in USDC from Circle in major blockchain networks such as Ethereum, Base, and Solana beginning in the spring of 2026.

YC decided to take this step because stablecoins have reached a «turning point in regulation» following the enactment of the GENIUS Act in the United States. The tokens also provide a cheaper and faster alternative to transactions conducted in fiat currencies, particularly for founders outside of the U.S.

«Transfers in stablecoins typically cost less than a cent and are processed in under a second, even across borders. Traditional channels like international bank transfers can often incur costs of dozens of dollars when accounting for all fees, and processing may take several days,» Dalal pointed out.

Additionally, financial institutions frequently request large amounts of information, while a transaction in stablecoins can be likened to sending an SMS, he added.

Dalal noted that the adoption of stablecoins in real-world applications is growing. Some YC portfolio startups operating in India and Latin America use tokens to help clients efficiently move capital and safeguard their savings, particularly in areas with limited access to banking infrastructure.

YC has invested in nearly 100 crypto projects since including Coinbase in its 2012 program. Stablecoins represent a key focus for the accelerator, but interest also extends to areas such as tokenization, lending markets, and capital formation on the blockchain.

According to YC, distributed ledger technology will increasingly play a significant role in financial management and fundraising for projects, even those not directly related to the creation of crypto products.

«In the future, we expect that a larger portion of startups’ financial needs will be met through blockchain,» emphasized Dalal.

For context, in 2025, the volume of real payments made in stablecoins amounted to approximately $390 billion out of a total transaction volume of $35 trillion, as reported by analysts at McKinsey and Artemis Analytics.