Markets never sleep. For businesses operating across borders, moving funds in multiple currencies and jurisdictions can present certain challenges. There’re delays, extra costs, operational friction and too many moving parts in between. Payment itself may be fast, but settlement is often where things slow down.
That was until stablecoins joined the conversation and became a practical topic for international businesses.
So, if you are…
…a Forex broker with multiple funding and payout options;
…a group operating multiple entities or service providers across the EU, UK and beyond;
…a CFO facing pre-funding issues across multiple accounts and jurisdictions;
…or a broker taking deposits from regions with volatile local currencies, and looking for a globally recognised and secure stable currency;
…then stablecoin settlements deserve a serious look.
What are stablecoin settlements?
Stablecoin settlements enable merchant funds to be paid out or transferred in stablecoins rather than through a traditional bank transfer. Businesses can still accept customer payments through familiar fiat payment methods, while choosing to receive its settlement in a digital asset linked to a major currency such as the US dollar or the euro.
Regulated under MiCA in the EU, with parallel frameworks now live in the UK, US and other major Asian centres, stablecoins are no longer a crypto curiosity. They are regulated, reserve-backed digital dollars and euros that move in minutes, 24/7 and at a fraction of the cost of a correspondent-bank instruction. And, unlike volatile cryptocurrencies, stablecoins are designed to maintain a stable value, which makes them much more relevant for day-to-day business use.
What PAYSTRAX does today
Your business’ core payment flow remains the same. Authorisation, 3DS, scheme compliance and customer checkout are all left unchanged, while the settlement route behind the scenes becomes more flexible.
The flow is simple:
➡️ Visa and Mastercard settle to PAYSTRAX in fiat currency, for example EUR, GBP or USD.
➡️ PAYSTRAX pays the fiat amount into a regulated stablecoin provider account.
➡️ The stablecoin provider converts the fiat amount into the stablecoin of your choice (e.g. EURC or USDC).
➡️ The stablecoins are sent to your own wallet, provided by your chosen entity.
5 core benefits of stablecoin settlements
Faster and instant access to settled funds, instead of waiting several days for funds to reach an offshore account.
Predictable value independent of local currency swings, compared to other payouts in volatile currencies.
Lower transaction costs. Businesses may face higher conversion costs and cross-border friction when moving balances between entities or to liquidity providers.
24/7 funds availability, which helps avoid delays caused by banking hours, cut-off times, weekends, or correspondent bank availability.
Simpler treasury management – no need to prefund and manage multiple currency accounts across markets.
What’s coming next?
Based on the direct feedback from customers, PAYSTRAX continues to expand settlement options beyond USDC and EURC across major blockchain networks including Ethereum, Base, Arbitrum, Optimism, Polygon, and Solana, giving businesses more flexibility in how they move and receive funds.
On the fiat side, GBP pay-ins will join EUR and USD later this year to help businesses simplify cross-border treasury operations even further.
Ready to explore stablecoin settlements?
Stablecoins will not replace every fiat rail, and they are not the right answer for everyone. But for businesses operating internationally, they can help close the gap between how fast your market moves and how fast your money moves.
If that’s what you’re looking for, contact PAYSTRAX today to explore stablecoin settlements for your business.
