Crypto & Stablecoin Infrastructure · Use case

Settle B2B payments in stablecoins

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Short answer

Stablecoin rails can move value between companies and countries at any hour, settling in minutes, with fiat conversion on either side. The practical questions are regulated conversion at both ends, which stablecoins your markets permit, and how compliance data travels with each transfer.

What this use case is

Stablecoin rails can move value between companies and countries at any hour, settling in minutes, with fiat conversion on either side. The practical questions are regulated conversion at both ends, which stablecoins your markets permit, and how compliance data travels with each transfer.

Who builds this

Cross-border payment fintechs
Marketplaces paying sellers abroad
Treasury teams
PSPs

What your customer sees

  1. 1Faster settlement of cross-border invoices and payouts
  2. 2Funds received in local currency or stablecoin

How Crypto & Stablecoin Infrastructure solves it

1

Sender's fiat converted to a stablecoin

Sender's fiat converted to a stablecoin

2

Transfer on-chain with travel-rule data

Transfer on-chain with travel-rule data

3

Recipient provider receives and screens

Recipient provider receives and screens

4

Converted to local fiat or held

Converted to local fiat or held

5

Paid out to the recipient's bank account

Paid out to the recipient's bank account

6

Records and reporting

Records and reporting

Want to have

  1. Regulated on- and off-ramps at both ends
  2. Permitted stablecoins for your markets
  3. Travel-rule compliance
  4. Screening
  5. Local fiat payouts
  6. Reconciliation

Optional

  1. Holding stablecoin balances
  2. Programmable payouts
  3. Multi-network support

Design decisions

End points

Fiat to fiat
Fiat to stablecoin

recipient convenience versus flexibility.

What to put in your RFP

Corridors

  • Corridors

Stablecoins and networks

  • Stablecoins and networks

Permissions at each end

  • Permissions at each end

Compliance data

  • Compliance data

Payouts

  • Payouts

Pricing

  • Pricing
Add these to an RFP

How to evaluate providers for this use case

  1. 1Corridor coverage
  2. 2Permissions
  3. 3All-in cost versus traditional rails
  4. 4Settlement reliability

Pitfalls

  • Using stablecoins not permitted in a market
  • Conversion costs erasing savings
  • Weak off-ramp coverage

What providers will ask you

  1. Corridors and volumes
  2. Counterparties
  3. Your permissions

Other Finlane categories that cover parts of this

This use case is solved mainly with Crypto & Stablecoin Infrastructure. These categories cover specific parts of it and can be tendered alongside it.

FX & Cross-Border Payments

Traditional corridors for comparison

Banking-as-a-Service

Fiat accounts at either end

Fraud & AML Monitoring

Screening and monitoring

Frequently asked questions

Other Crypto & Stablecoin Infrastructure use cases

Add a fiat on/off-ramp to a wallet or app

Let users buy and sell crypto with cards, bank transfer or local methods, with KYC handled by the provider.

Custody assets for a regulated product

Store customer assets with a licensed custodian using MPC or HSM key management and clear insurance terms.

Issue stablecoin-linked cards

Combine a wallet with card issuing so users can spend their stablecoin balance anywhere cards are accepted.

Scope settle B2B payments in stablecoins with Crypto & Stablecoin Infrastructure providers

Scope this use case