Cross-border payments are changing fast in 2025.
Stablecoins now process over $6.3 trillion annually, making them a major force in international money transfers.
This review examines BIITLAND.com, a cryptocurrency education platform, and susDE (Staked USDe), a yield-generating stablecoin that’s gaining attention.
We’ll determine whether susDE can compete with established payment leaders like USDT and USDC.
Key Takeaways
BIITLAND is an education platform, not a stablecoin issuer: They provide crypto analysis and learning resources but don’t create susDE
susDE is made by Ethena Labs: It’s a yield-bearing version of USDe offering 10%+ APY through staking
susDE isn’t designed for payments: Its primary purpose is generating yield in DeFi, not facilitating transfers
USDT and USDC dominate cross-border payments: They have better liquidity, merchant acceptance, and simpler mechanisms
Regulatory restrictions limit susDE: It’s banned in the EU and lacks the compliance framework of payment-focused stablecoins
What is BIITLAND?
BIITLAND.com operates as a cryptocurrency education and analysis platform.
Founded during the 2021 bull run by finance and technology professionals, the platform focuses on making crypto knowledge accessible.
Core Services
BIITLAND provides four main offerings:
Educational Content: Bitcoin basics, blockchain technical guides, and cryptography explanations for all skill levels
Market Tools: Real-time price tracking, trading strategies, and investment analysis
Industry Research: Company profiles, use case studies, and regulatory updates
Community Features: User articles, expert opinions, and discussion forums
Platform Development
According to their official documentation, BIITLAND plans to expand beyond education.
Their 2025 roadmap includes launching a native blockchain, NFT tools, and cross-chain DEX features.
The platform aims to become what they call “an operating system for blockchain.”
Understanding susDE Stablecoin
susDE (Staked USDe) is created by Ethena Labs, not BIITLAND.
This distinction matters because susDE operates differently from traditional stablecoins.
Technical Details
susDE uses a synthetic dollar model:
Backing Method: Crypto assets plus short futures positions (not fiat reserves)
Yield Mechanism: Users stake USDe to get susDE, earning rewards over time
Current Value: 1 susDE = approximately 1.18 USDe due to accumulated yields
APY Range: 10-18% annually, depending on market conditions
How It Works
The staking process is straightforward:
Buy USDe tokens on an exchange
Stake them on Ethena’s platform
Receive susDE tokens as proof of stake
Earn yield automatically while holding
Unstake anytime to get USDe plus rewards
Daily trading volume for susDE reached $16.7 million recently, showing active use primarily in DeFi applications rather than payments.
Cross-Border Payment Challenges in 2025
Traditional international transfers still face major problems:
Banking System Issues
Speed: Wire transfers take 3-5 business days
Cost: Fees range from $25-75 per transfer
Access: Limited to banking hours and working days
Complexity: Different rules for each country
Current Crypto Solutions
Bitcoin and Ethereum enable fast transfers but price volatility makes them impractical for payments.
This created demand for stablecoins, which now handle 3% of all global cross-border payments.
The latest stablecoin news shows governments are taking notice.
The 2025 STABLE Act in America and MiCA rules in Europe now provide clear guidelines for stablecoin operations.
How susDE Addresses Cross-Border Payment Needs
While susDE wasn’t built for payments, let’s examine its technical capabilities:
Transaction Performance
Speed: 12-15 seconds on Ethereum
Availability: Works 24/7 without bank delays
Direct Transfers: No intermediary banks needed
Cost Structure
Network Fees: $5-50 in Ethereum gas costs
No Bank Fees: Saves traditional wire charges
Total Savings: Up to 80% cheaper than wires
Payment Limitations
Four factors prevent susDE from being a payment solution:
Geographic Restrictions: Banned in EU and EEA countries
Design Focus: Built for yield, not transfers
Merchant Support: Almost no businesses accept it
User Experience: Staking adds unnecessary steps
susDE vs. Competing Stablecoins
Understanding the competition shows why susDE isn’t a payment leader:
Market Leaders
Tether (USDT)
Market cap: $100+ billion
Accepted globally, especially in Asia
Works on multiple blockchains
Preferred for international trades
USD Coin (USDC)
Market cap: $35 billion
Strong compliance and auditing
Popular with US businesses
Major payment processor support
Other Notable Options
Over 200 stablecoins exist in 2025:
susDE’s Position
susDE stands apart with:
High yields (10%+ APY)
Synthetic backing system
DeFi-first approach
For payments, traditional stablecoins win on simplicity, acceptance, and regulatory approval.
Real-World Use Cases and Case Studies
Where Stablecoins Excel
Business Payments
Companies pay suppliers instantly
Transaction tracking on-chain
Significant fee savings
Personal Remittances
Workers send money home cheaply
Recipients avoid local currency problems
No bank account required
E-Commerce
Where susDE Works Best
susDE thrives in DeFi:
Collateral for crypto loans
Yield farming strategies
Liquidity pool contributions
Passive income generation
Security and Risk Analysis
Smart Contract Safety
Ethena Labs implements multiple protections:
Third-party code audits
Bug bounty programs
Time-locked upgrades
Open-source verification
Financial Risks
Users face several concerns:
Delta-neutral strategy complexity
Futures market exposure
Possible de-pegging events
No insurance coverage
Regulatory Issues
Current restrictions include:
EU market exclusion
Uncertain US classification
Limited global compliance
No banking protections
User Experience and Platform Review
Getting Started Process
Wallet Creation: Set up MetaMask or similar
USDe Purchase: Buy on supported exchanges
Platform Access: Visit Ethena’s staking site
Staking Interface: Simple one-click staking
Yield Tracking: Dashboard shows earnings
Platform Features
Ethena provides:
Clean interface design
Mobile-friendly access
Detailed documentation
Active Discord community
Support Quality
Users can access:
Community help channels
Email ticket system
Comprehensive FAQs
Social media updates
Fees and Cost Analysis
Direct Costs
Transaction Fees
Ethereum gas: $5-50 per transaction
No staking fees from Ethena
Exchange fees: 0.1-0.5% when buying
Hidden Expenses
Price slippage on large trades
Missed opportunities while staked
Potential tax on yield earnings
Payment Comparison
For a $10,000 international transfer:
Bank wire: $45-75 plus exchange markup
USDT/USDC: $5-20 network fees only
susDE: $10-30 plus staking complexity
Pros and Cons of susDE for Cross-Border Payments
Advantages
Passive Income: Earn while holding funds
No Banks Needed: Fully decentralized system
Innovation: New approach to stablecoins
DeFi Ready: Works with many protocols
Disadvantages
Poor Adoption: Few accept it for payments
Geographic Limits: Major markets excluded
Too Complex: Extra steps discourage users
Wrong Design: Made for yield, not spending
Market Risks: Futures exposure concerns
Future Outlook and Roadmap
Ethena’s Plans
The team focuses on:
Multi-chain deployment
More DeFi integrations
Yield optimization
User interface improvements
Payment Potential
For susDE to compete in payments:
Need payment processor deals
Require regulatory approvals
Must simplify user flow
Build merchant network
Industry Direction
Stablecoin benefits drive continued growth:
Expert Opinions and Market Analysis
Financial Analyst Views
Market experts agree susDE works well for yield but poorly for payments. The synthetic model adds complexity that payment users don’t want or need.
Compliance Perspectives
Regulatory professionals note susDE’s EU exclusion and unclear status limit mainstream adoption. Payment-focused coins like USDC have better compliance frameworks.
User Feedback
DeFi users love the yields. Payment users find traditional stablecoins more practical. Gas fees and staking friction discourage everyday use.
Conclusion: Is susDE the Cross-Border Payment Standard?
No, susDE is not the cross-border payment standard. The evidence is clear:
Market Leaders Win: USDT and USDC dominate with better liquidity and acceptance
Wrong Purpose: susDE targets yield generation, not payments
Too Many Barriers: Regulatory limits, complexity, and poor adoption
BIITLAND Confusion: They’re an education platform, not connected to susDE
For cross-border payments, stick with USDT or USDC. For earning yield on stable assets, susDE offers an interesting option through stablecoin investment strategies.
The future belongs to simple, compliant, widely-accepted stablecoins. susDE excels in DeFi yield generation but fails as a payment solution.
Choose the right tool for your needs.
Read Next:
FAQs:
1. How do I get started with susDE?
To start using susDE:
Set up an Ethereum wallet
Buy USDe on any major exchange
Visit Ethena Labs’ platform
Stake your USDe to receive susDE
2. What are the minimum and maximum transaction limits?
susDE has no built-in limits, but consider:
Minimum: $1,000+ recommended due to gas fees
Maximum: Limited by available liquidity
Practical Range: $1,000-100,000 for best experience
3. Which countries support susDE transactions?
susDE works everywhere except:
All European Union countries
European Economic Area nations
Specific restricted jurisdictions
Where Ethena chooses not to operate
4. How does susDE maintain its price stability?
Price stability comes from:
USDe’s delta-neutral strategy
Crypto collateral management
Short futures positions
Arbitrage mechanisms
5. What happens if BIITLAND faces regulatory issues?
BIITLAND and susDE are separate:
BIITLAND problems won’t affect susDE
Ethena Labs operates independently
Monitor each platform separately
6. Can susDE be used for everyday purchases?
Technically yes, practically no:
Almost no merchants accept it
High gas fees hurt small purchases
Staking process adds friction
Better options exist (USDC, USDT)
7. How do I convert susDE back to fiat currency?
Converting requires these steps:
Unstake susDE for USDe plus yield
Send USDe to an exchange
Sell for fiat currency
Withdraw to bank (1-3 days)