In short
You can accept crypto payments without holding volatile crypto by settling in stablecoins. USDC and USDT hold a steady ~$1 value, so payments arrive in a predictable dollar value in your wallet rather than as a fluctuating coin.
Stablecoins remove the volatility
The fear with crypto payments is price swings. Settling in stablecoins avoids that: each payment is worth about a dollar per unit, so you get the benefits of on-chain settlement - speed, global reach, no chargebacks - without exposure to Bitcoin-style volatility.
Part of our guide to how to accept crypto payments.