Alchemy Pay (ACH) Price Prediction

Deep Dive

1. Alchemy Chain & Stablecoin Launch (Bullish Impact)

Overview: Alchemy Pay plans to launch its Layer 1 blockchain (Alchemy Chain) and proprietary stablecoin in Q4 2025, targeting compliant cross-border payments. The chain will support major stablecoins like USDT and regional tokens (e.g., EURC), with transaction fees paid in ACH (CoinMarketCap).

What this means: ACH’s utility could rise as the backbone for fee payments and governance. Success hinges on adoption by partners like Backed (tokenized ETFs) and Visa’s stablecoin settlement pilots. However, delays or technical hurdles could dampen sentiment.

2. Regulatory Expansion (Mixed Impact)

Overview: Alchemy Pay secured Money Transmitter Licenses (MTLs) in 10 U.S. states, MiCA compliance via ZBX Group in Europe, and Hong Kong securities licenses. These enable fiat on-ramps in regulated markets like the U.S., where XDB CHAIN’s RWA platform now uses ACH rails (CoinMarketCap).

What this means: Regulatory access strengthens trust and merchant adoption but increases operational costs. For example, MiCA’s strict liquidity requirements could pressure margins if transaction volumes underperform.

3. Stablecoin Infrastructure Competition (Neutral/Bearish Risk)

Overview: The stablecoin market hit $295B in October 2025, dominated by Tether (60.66%) and Circle (24.64%). Alchemy Pay’s focus on payment rails competes with Stripe’s Tempo blockchain and Visa’s USDC settlement layer (Yahoo Finance).

What this means: ACH could benefit from sector growth but faces entrenched rivals. Its 24-hour turnover of 8.3% (vs. USDT’s 56%) suggests thinner liquidity, amplifying volatility during market swings.

Conclusion

Alchemy Pay’s price hinges on executing its blockchain roadmap and monetizing regulatory approvals, offset by risks from stablecoin competition and macro sentiment (Fear & Greed Index: 15/100). Will Q4’s Alchemy Chain launch attract enough volume to reverse ACH’s 48% 90-day decline?