Payments Insights

A harmonious blend of digital assets in a "symphony of stablecoins". 🔄 The Business Model That Makes Circle and Tether Nervous How it works today: Holders of USDC or USDT provide reserves that issuers like Circle and Tether invest in short-term Treasuries, generating billions in annual yield (e.g., ~$3-4B from $73B USDC at 4-5% rates). Issuers keep the lion's share; users and partners get little to nothing. How OUSD works: Zero fees to mint or redeem—at any volume, no caps.

BoE vs Genius vs MiCA The Bank of England published its UK framework and draft Code of Practice for systemic sterling stablecoins. With the US GENIUS Act and the EU’s MiCA already in place, the UK has now joined the trio of major regulatory regimes shaping the future of stablecoins. Three frameworks. Three different approaches. One growing headache for global treasuries. This post breaks down what the BoE just released in London — and why it matters for payments professionals

Tokenized Deposits are coming! Clarifying the Terminology "Tokenized deposits" currently refer to at least three distinct structures, and understanding these differences is crucial for strategic planning: Intrabank Settlement Networks (e.g., Signet, SEN-style models) — involve book transfers between clients within the same bank. These are often marketed as blockchain solutions but are essentially fast databases, requiring no interbank reserve settlement. The "Mirror" Model —

GENIUS Act, Stablecoins & Big Banks' Fightback — What Every CFO, Treasury Team & Payments Executive Needs to Know

In a real-world asset (RWA) tokenization deal, physical or traditional financial assets (e.g., real estate, invoices, treasuries, private credit, funds, or commodities) are converted into digital tokens on a blockchain. This enables fractional ownership, liquidity, transparency, and integration with DeFi or traditional finance. A typical deal involves a mix of traditional finance (TradFi), blockchain, and regulatory participants. Roles can overlap depending on the asset type,

The B2B payments world is changing fast. By the end of 2026, the entire system will look very different from today. New technologies, standards, and payment methods are reshaping how companies pay and get paid. For CFOs, treasury leaders, and fintech operators, understanding these shifts is critical to staying competitive and managing cash flow effectively. This post breaks down the key trends and what they mean for your business. Working together to explore new trends in B2

Cross-border payments are at a major inflection point this week. Five key developments are reshaping how money moves globally — and the implications for CFOs, treasury teams, and fintech operators are significant. Here’s what you need to know: 1. Remitly’s New CEO Signals a Massive Opportunity in Remittances Remitly’s incoming CEO Sebastian Gunningham didn’t mince words: cross-border customers are still overcharged and underserved. That gap, he believes, makes the market high

Running a small business is a thrilling mix of creativity, resilience, and problem-solving. But behind every smart idea or loyal customer base lies one constant: money management. Whether it’s knowing how to stretch your cash flow, analyze profit margins, or forecast growth, financial knowledge isn’t just nice to have — it’s what keeps the lights on and the business growing. Key Takeaways Financial literacy helps small business owners: ● Avoid costly mistakes and improv

Embracing adulthood means managing your finances becomes a crucial skill. With the exhilaration of financial independence comes the vital...