One big difference between the first generation of companies accepting cryptocurrency and those announced today is the relatively recent invention of stable coins like the Gemini Dollar and USD Coin, which give users the benefits of crypto without the risk of fluctuating prices. National Trust. Comments Share your thoughts and debate the big issues. To build on the network, Spedn and others are required to lock up its native flexacoin cryptocurrency as collateral. Once the Spedn app is downloaded, payments can be made by scanning an automatically generated QR code to the payments terminal at the till.