For millions of people across Southeast Asia, cash is still king. Most daily transactions still happen offline, even as digital payments grow.
At the same time, stablecoins like USDC are transforming how people earn, send, and hold money online. The challenge has always been what comes next:
How do you turn digital dollars into local cash, safely and instantly?
That’s where Hana and MoneyGram come in.
A Simple Way to Turn Digital Dollars into Cash
Through a new partnership between Hana Wallet and MoneyGram, powered by Stellar and USDC, anyone in Southeast Asia can now withdraw USDC for local cash in minutes without need to rely on banks, exchanges, or complex setups.
It’s a bridge between global digital dollars and local economies, designed for real people.
Whether you’re a freelancer getting paid in crypto, a small business accepting digital payments, or a family relying on remittances, this integration makes your money usable anytime, anywhere.
Getting Money Out of Crypto Is Still Hard
Crypto has made it easy to earn or hold digital assets, but when it comes to using that money in daily life, friction shows up fast.
- Off-ramping is slow or unavailable. Most services require exchanges, KYC re-verification, or multi-day transfers.
- Fees add up. Cross-border payments can lose up to 7% in transaction costs.
- Trust is fragile. Centralized exchanges still hold your funds in custodial accounts, not your own wallet.
For people in cash-first markets, the system simply doesn’t connect. Until now, there hasn’t been a fast, trustworthy way to move from crypto to cash.
Bridging the Internet of Money with the Real World
Our partnership with MoneyGram, Stellar, and Circle makes crypto work for real people. Every part of this partnership plays a specific role in making crypto usable in everyday life.
It starts with the Hana wallet that keeps you in control. You hold your keys, you hold your money. Hana is where your USDC lives, a simple app that lets you manage, swap, and now, cash out your digital dollars without friction or confusion.
When it’s time to turn those digital dollars into cash, MoneyGram steps in. With more than 350,000 locations worldwide, its trusted cash network connects directly to your Hana Wallet. Decades of remittance experience now power a new kind of off-ramp, one built for the internet of money.
Behind the scenes, Stellar makes it all move. Its open, low-cost network transfers USDC across borders in seconds, providing the instant, verifiable settlement layer that ties everything together.
And at the foundation is USDC from Circle, the digital dollar trusted around the world. Fully reserved and backed 1:1 by U.S. dollars, it combines the stability of traditional money with the reach of blockchain.
Together, these layers bridge global digital money with everyday life. It’s crypto that works like money: digital when you want it, cash when you need it.
How It Works: USDC to Cash in Minutes
Here’s how to turn your digital dollars into local currency using Hana Wallet and MoneyGram:
- Open the Hana app
From the main navigation at the bottom, tap Explore. - Select "Withdraw funds"
You’ll see an option called Withdraw to Cash (MoneyGram). Tap this. - View your available balance
Hana will show you how much USDC you currently have available on Stellar network for withdrawal.
Need to convert other assets to USDC first? Use the Trade button at the bottom of the screen to quickly swap. - Enter withdrawal amount & choose pickup location
The MoneyGram screen will open. - Enter the amount of USDC you'd like to withdraw
- Search and select a nearby MoneyGram pickup location
- Fill in your details
MoneyGram requires your: - Full name
- A valid photo ID
- Signature at pickup
- Get your reference number
After confirming, you’ll receive a reference number and summary of your cash-out details. Tap Done to initiate the transfer. - Pick up your cash
Head to your selected MoneyGram location with: - The reference number
- Your eligible ID
- Your signature
🏢 All pickup locations can be found here.
Real Access for Real People
Crypto adoption is already booming in Southeast Asia, but usability has lagged behind. Hana and MoneyGram close that gap.
- For freelancers: Get paid in USDC from global clients and cash out instantly, without losing earnings to exchange delays.
- For families: Receive support from abroad as stable digital dollars and withdraw local cash when needed.
- For small businesses: Access stable liquidity without the complexity of bank transfers.
Every step is designed around trust, speed, and simplicity.
You decide when to hold, when to swap, and when to cash out.
Stablecoins as Everyday Money
Stablecoins are reshaping the global financial system. Backed 1:1 by dollars, USDC provides the stability of fiat with the accessibility of crypto.
On Stellar’s fast, low-cost network, those digital dollars can move across borders instantly. With MoneyGram’s global reach, they can now move back into the hands of real people, in cash, if that’s what they need.
For the first time, the gap between digital finance and daily life is disappearing.
“Being able to easily turn crypto into cash enables the accessibility needed to change crypto from just an idea to an everyday utility,” said Raja Chakravorti, Chief Business Officer, Stellar Development Foundation.
Get Started Today
Ready to see it in action?
Download Hana app to experience how easy it is to turn digital dollars into local cash.
Safe. Simple. Instant.