Plain-English guides on where stablecoin settlement actually saves money, and where it does not. Written by an independent advisory with no software to sell.
Twenty-one firms committed on 1 September to a jointly-owned USD issuer for H1 2027. Not banks discovering crypto — banks re-internalising dollar settlement now that issuance is licensed.
Mastercard bought the capability outright; Visa is procuring a replacement under a four-jurisdiction licence test. Checkout is the sideshow — licences decide this.
The GENIUS proposed rules, the BIS case for tokenised deposits and the MAS consultation landed in nineteen days, and they do not point the same way.
Everything in one place: the market data with sources, the five use cases that actually work, the cost benchmarks, the regulation, and the honest limits.
The once-and-properly explanation for a business reader with no crypto background: how the peg works, what backs it, how it is regulated, and what it is not.
Where international wires actually spend those three days, what the fees really add up to, and the settlement alternative importers started using in earnest this year.
The fee you see is not the cost you pay. A worked example of what a 20-person contractor payroll really loses to wires and FX spread every month, and the four methods compared.
Finance teams in soft-currency markets have quietly added a dollar-denominated digital cash instrument to their toolkit. How it works, what it solves, and the risks that remain.
Stablecoin settlement now plugs into the standard ERP payment run. What that removes from the adoption checklist, and what still needs a controller's scepticism.
Slow payouts read as a seller-retention problem, but they are a settlement problem. How payout speed became a competitive lever, and how platforms are re-plumbing it.
Auto-conversion checkout lets merchants accept stablecoins and settle entirely in fiat. The three setup decisions that matter, and the irreversibility trade-off.
Not a new revenue line. It recovers margin lost to float, correspondent fees and weekend banking gaps, with a sensitivity table to size it against your own book.
A line-by-line comparison with a worked example at $50,000 monthly volume, plus the dispute-rate break-even where card rails still earn their fee.
Most payment companies are not stablecoin issuers, and the Act treats them differently. What actually applies to you, and the current rulemaking timeline.
The two regimes regulate stablecoins on genuinely different architectures, and MiCA's PSD2 overlap adds a second licence. How to design one architecture that works under both.
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