MY BALANCE: The Global Crypto Solution Aiming to Turn USDT Into an Everyday Payment Tool

The official website for MY BALANCE is https://mybalance.website, where the project presents its global crypto payment vision.

MY BALANCE was created with a simple yet ambitious premise: to allow anyone, regardless of their country of residence, to use USDT and other stablecoins to pay merchants anywhere in the world, while the seller automatically receives the equivalent amount in local currency.

The new solution is presented as a natural evolution of the crypto ecosystem. For years, stablecoins were used mainly as a store of value, a trading instrument, or a mechanism to send money between users. MY BALANCE, however, aims to bring that use case into the real economy: paying for dinner, booking a hotel, buying a ticket, paying for a professional service, or completing an international business transaction with the same ease with which people today use a digital wallet or a card.

The model proposes an experience built for the global user. A person could be a resident of Argentina, Mexico, Colombia, Spain, the United States, or any other country and still access a tool that allows them to load, hold, and spend USDT. On the other side, the merchant would not need to be exposed to crypto volatility or radically change its operations: it would receive the payment converted into local currency, integrated with the payment and settlement systems available in its jurisdiction.

The key to the project is connecting two worlds that for a long time moved along separate paths: crypto infrastructure and traditional payment systems. MY BALANCE seeks to operate as a bridge between both ecosystems, allowing the user to pay with stablecoins while the merchant receives value in pesos, reais, soles, dollars, euros, or another local currency, depending on the market.

The proposal becomes especially relevant in a context in which more people work, travel, get paid, and make payments internationally. Freelancers, entrepreneurs, importers, exporters, tourists, digital nomads, and families sending money across borders often face conversion costs, banking delays, currency restrictions, or operational limits. Stablecoins, especially USDT, emerge as a concrete answer to those problems because of their constant availability, transfer speed, and dollar-linked value.

For Catriel Taubenschlag, the driving force behind the project, the real shift is not only about holding cryptocurrencies, but being able to use them without friction. “The true leap in adoption comes when a person can spend USDT anywhere and the merchant receives local currency in a simple way. That is when technology stops being something complex and becomes an everyday solution,” he says.

The initiative is also supported by Catriel Taubenschlag’s previous experience as founder of Mi Saldo SRL, a fintech developed in Latin America, specifically in Argentina, where it operates with a PSAV license and holds ISO 9001 certification. That background in the regional financial and crypto ecosystem gives MY BALANCE a concrete foundation of operational knowledge, regulatory compliance, internal processes, and trust-building with users, merchants, and strategic partners.

From that perspective, MY BALANCE aims to transform the relationship between users and their digital assets. It is no longer only about buying, selling, or holding stablecoins, but about integrating them into daily consumption and real commercial operations. The goal is for users not to have to think about technical processes, blockchain networks, or manual conversions, but simply about making a payment.

One of the central aspects of the development will be partnering with payment systems, acquirers, processors, wallets, liquidity providers, and local operators in different markets. This network of alliances would allow each transaction to be processed according to the rules and mechanisms of each country. For the merchant, the result should feel familiar: a sale credited in local currency. For the user, a global experience based on USDT.

The potential of MY BALANCE extends across several segments. In tourism, it would allow a person to travel with a stablecoin balance and pay for expenses in different countries without depending on cash, card limits, or multiple conversions. In remittances, it could simplify sending money between relatives living in different jurisdictions. In international trade, it could facilitate fast payments between companies, suppliers, or service providers. And in the digital economy, it could become a tool for people who generate global income but need to spend locally.

The solution also responds to a broader trend: the search for digital money that is stable, portable, and usable anywhere. In regions with inflation, currency controls, or poorly integrated financial systems, stablecoins already fulfill a practical function. What is often missing is a simple usage layer that can convert that digital value into real payment capacity.

MY BALANCE intends to occupy that space. Its proposal is not to replace merchants or force them to operate directly with crypto, but to provide infrastructure that translates a crypto payment into a local settlement. In other words, the user keeps the freedom to use USDT, while the merchant keeps the convenience of receiving payment in the currency it knows.

The project is also supported by an evolving regulatory reality. As more countries move forward with regulatory frameworks for virtual assets, digital payments, and crypto service providers, an opportunity opens to build solutions that are more reliable, traceable, and compatible with the standards of each market. For MY BALANCE, that process will be key to growing sustainably and building trust among users, merchants, and strategic partners.

The challenge will be significant: integrating countries, currencies, payment networks, liquidity, regulatory compliance, and user experience into a single platform. But the opportunity is just as large. If stablecoins have already proven useful for moving value between people, the next stage will be proving that they can also be used to pay in everyday life.

MY BALANCE is positioning itself as a crypto solution designed for the whole world: a tool capable of converting USDT into global purchasing power, reducing friction, improving payment speed, and allowing each merchant to receive payment in its own currency. In an increasingly connected market, the promise is clear: to make living, traveling, working, and trading with stable digital money as simple as making an ordinary payment.