Eliminate FX Spreads with Stablecoins

Traditional correspondent banking adds 2-5% in FX spreads and fees. Stablecoins enable direct peer-to-peer transfers, reducing costs to <0.1%. For a company moving $10M monthly, this represents annual savings of $240k-$600k.

• Example: A manufacturer paying suppliers in Asia can bypass 3-4 intermediary banks.
• ROI Driver: Immediate reduction in Cost of Goods Sold (COGS) and improved supplier margins.

Legacy systems create 2-5 day settlement delays, tying up working capital. Blockchain finality occurs in seconds, enabling just-in-time treasury management.

• Example: A retailer can pay for spot inventory purchases upon shipment confirmation, not days later.
• Business Impact: Reduces Days Sales Outstanding (DSO) and unlocks capital for reinvestment, improving cash flow efficiency.

Embed business logic directly into payments. Create smart contracts that execute transfers based on verifiable events (e.g., invoice approval, delivery confirmation).

• Use Case: Automated payroll for a global contractor network, triggered by verified timesheet submission.
• ROI Driver: Eliminates manual payment initiation, reconciliation, and associated labor costs, reducing operational overhead by 30-50%.

Every transaction is recorded on an immutable ledger, providing a single source of truth for auditors and regulators. This simplifies Anti-Money Laundering (AML) and Know Your Customer (KYC) compliance.

• Example: Real-time tracking of funds for ESG grants or supply chain financing, proving funds reached the intended recipient.
• Business Value: Drastically reduces audit preparation time and cost, while mitigating regulatory risk.

Break free from banking hours and holidays. Blockchain networks operate 24/7/365, allowing for real-time global commerce and new service offerings.

• Example: A SaaS company can offer instant, micro-payments for API calls from international clients without waiting for batch processing.
• ROI Driver: Captures revenue from time-sensitive transactions and opens new market segments previously hindered by payment friction.

Traditional systems carry Herstatt risk—the danger that one party fulfills its obligation while the other defaults. Atomic settlements via smart contracts ensure both payment and asset transfer occur simultaneously or not at all.

• Use Case: Direct securities lending or over-the-counter (OTC) derivatives where delivery-versus-payment is critical.
• Business Value: Removes a fundamental financial risk, reducing capital reserves required for risk coverage and enabling new, secure trading relationships.

Multinationals like Nike and Tesla use stablecoins to move capital between international subsidiaries. This eliminates the 2-4% FX spread charged by correspondent banks and reduces settlement from 3-5 days to minutes. Key benefits include:

• Real-time liquidity for overseas operations.
• Predictable costs with no hidden fees.
• Automated reconciliation via transparent blockchain ledgers.

Manufacturers and importers are paying suppliers in USDC or USDT to avoid intermediary banks. A case study with a European automotive parts importer showed a 70% reduction in transaction costs versus traditional SWIFT transfers. The process ensures:

• Guaranteed finality upon blockchain confirmation.
• 24/7/365 payment rails, removing weekend delays.
• Self-custody options that reduce banking dependency.

Platforms like Deel and Remote.com offer stablecoin payouts, giving contractors immediate access to funds without currency conversion losses. This is critical for talent in high-inflation economies. For the enterprise, it translates to:

• Lower payroll processing fees.
• Faster contractor onboarding without local bank accounts.
• Enhanced competitive advantage in global talent acquisition.

Asset managers like Brevan Howard and Fidelity allocate to stablecoin-based money market funds and use them for intra-fund transfers. This creates a digital dollar haven for hedging against local currency volatility in emerging markets. The ROI driver is the ability to earn yield on idle cash that would otherwise be trapped in low-interest, multi-currency accounts.