Stablecoins offer several material advantages over traditional bank transfers for B2B payments. They settle in near real-time — typically within seconds to minutes — on public blockchain infrastructure, compared to one to five business days for SWIFT transfers. They are available 24 hours a day, 365 days a year, with no dependency on bank operating hours or clearing house schedules. Settlement costs are a fraction of traditional correspondent banking fees. Stablecoin transfers are fully traceable on-chain, providing a transparent and immutable record of payment flows. For treasury teams, stablecoins enable precise cash positioning and programmatic management of payment workflows, including automatic conversion to fiat on receipt.
