• DOC: Stability in Dollars, Bitcoin DNA
• Buying Gift Cards on Bitrefill Using LiFi
• Kripton Card: Spending DOC with a “Traditional” Experience
• QR payments and CVU conversion using Beexo
• DCA with BitChill using DOC: discipline without stress
• Buying DOC on BuenBit (now Nexo): wider access
• Crypto Custody and Inheritance: DOCs in Legacy Schemes with BΔLT
• Are you using DOC only as a stablecoin or also as a financial tool?

At the end of the last year, it’s common to take stock and list the most important milestones. At Money On Chain, we’ve done this in previous years, and, keeping with tradition, we can report that the community voted to reduce the protocol’s minting and redeeming fees from 0.30% to 0.25% with rBTC and from 0.25% to 0.20% with MOC tokens. Additionally, the cost that BPRO pays to the protocol was reduced from 1% to 0.75% annually.

But this year, there have been more modifications outside of the protocol than inside.

In this article, we take stock of 2025, reviewing the main use cases that were implemented or gained traction this year and that demonstrate why DOC stopped being just “another stablecoin” and began to move beyond the purely DeFi realm to establish itself as a practical tool for saving, payments, and financial planning.

§DOC: Stability in Dollars, Bitcoin DNA

Before getting into specific cases, it’s worth remembering what makes DOC different:

• It’s collateralized with BTC, not bank deposits.

• This collateral isn’t provided by those who mint DOC, but by those who mint BPRO, who assume the risk and receive incentives for ensuring the system’s stability.

• It allows you to enter and exit Bitcoin’s volatility without leaving the ecosystem.

If you want to review how the protocol works in more depth, you can read our official wiki.

With that in mind, let’s see what happened in 2025.

§Buying Gift Cards on Bitrefill Using LiFi

One of the year’s advancements was the ability to spend DOC at global merchants, enabled by indirect yet effective integrations.

@bitrefill

is one of the world’s most popular platforms for buying gift cards, mobile top-ups, and digital services with cryptocurrencies. In 2025, the use of LiFi as a bridge and swap aggregator enabled connecting assets from different ecosystems, including Rootstock’s.

What does this enable in practice?

• Starting with DOC.

• Performing the necessary swap/bridge via LiFi.

• Buying gift cards on Bitrefill.

• Spending on real services and at physical stores, without going through banks.

It’s an indirect but powerful use case: DOC as a stable starting point for global consumption.

§Kripton Card: Spending DOC with a “Traditional” Experience

Another milestone in 2025 was the growth of crypto card solutions, which drastically reduce friction in everyday use.

@kripton_la

offers a digital card that allows users to spend their crypto balance at physical and online stores.

This type of integration is key because:

• The user doesn’t need to “explain crypto” to the merchant.

• DOC functions as a stable store of value against the peso before spending.

• The experience is very similar to that of a traditional card.

§QR payments and CVU conversion using Beexo

Probably the most concrete and local use case of the year.

In 2025, the ability to convert DOC to Argentine pesos without leaving the wallet using

@beexowallet

was consolidated.

This enables:

• DOC to peso conversion.

• Sending to CVU and QR payments.

• Transfers and everyday use in Argentina.

Here, DOC fulfills a very clear role: on-chain dollar savings + simple access to the local payment system.

§DCA with BitChill using DOC: discipline without stress

Dollar Cost Averaging (DCA) returned to the spotlight in 2025, and DOC found a natural place in this strategy.

Using DOC as an intermediate stablecoin, it’s possible to:

• Save in on-chain dollars.

• Define a plan for recurring purchases.

• Convert DOC to rBTC in an orderly fashion.

Platforms like BitChill promoted this approach, aligned with a very Bitcoin-centric idea: less emotional trading, more process.

§Buying DOC on BuenBit (now Nexo): wider access

A major historical limitation for many DeFi projects has been access. In 2025, DOC took a significant step forward in this area.

BuenBit

added DOC as an available asset, making it easier to buy through an app familiar to users in Argentina and the region. Towards the end of the year, Nexo’s acquisition of BuenBit further expanded this reach.

The result: DOC is no longer just for highly technical users and becomes accessible to a broader audience.

§Crypto Custody and Inheritance: DOCs in Legacy Schemes with BΔLT

Less visible use cases began to emerge, but they are equally relevant to the ecosystem’s maturity: estate planning in Bitcoin. One example of this is BΔLT (Bitcoin Autonomous Legacy Trust), a protocol developed by JXLabs on Rootstock.

BΔLT is designed to solve a specific problem in the crypto world: what happens to digital assets if their owner loses access or dies. Through smart contracts, the protocol allows the creation of legacy structures that release funds under predefined conditions, such as extended periods of inactivity. In this scheme, DOC can be used as a stablecoin in these contracts, alongside rBTC and BPRO.

These use cases expand DOC’s role beyond saving and everyday spending.

§Are you using DOC only as a stablecoin or also as a financial tool?

The bottom line is clear: 2025 was the year DOC went from potential to practical.

• Stability backed by Bitcoin.

• Global spending via gift cards and debit cards.

• Local payments with QR codes and CVUs.

• Long-term planning with DCA.

• Easier access from exchanges.

• Inheritance planning.

DOC is no longer just a stablecoin within a protocol: it’s a complete financial tool within the Bitcoin ecosystem.

If you want to get started, the most straightforward path is:

• Acquire DOC.

• Use it as a stablecoin.

• Choose your goal: pay, save, or return to BTC.

Continue exploring the ecosystem on the official blog:

https://moneyonchain.com/blog/