Why are corporate treasury operations shifting to stablecoins?

According to TRM Labs' 2025 Crypto Adoption Report, stablecoins now comprise 30% of all on-chain crypto transaction volume, reaching over $4 trillion between January and August 2025 (an 83% increase over the same period in 2024). Corporate use of stablecoins grew by approximately 25%, particularly for cross-border payments and supply-chain settlements. The passage of the GENIUS Act in July 2025, requiring 100% reserve backing and BSA/AML compliance, has accelerated institutional adoption by providing regulatory clarity.

What are the strategic benefits of stablecoin treasury management?

Key benefits include: (1) Cost reduction—traditional FX fees of 1-3% translate to $10,000-$30,000 per $1 million transaction, which stablecoins eliminate. (2) Settlement speed—stablecoin settlement occurs in minutes rather than 2-5 business days required by correspondent banking. (3) 24/7 operations—blockchain treasury solutions operate continuously unlike traditional banking rails constrained by business hours. This is why Stripe acquired stablecoin firm Bridge for $1.1 billion in early 2025.

What are the best practices for implementing stablecoin treasury management?

Four critical dimensions: (1) Establish volume thresholds—enterprise platforms become cost-effective at $5 million+ monthly volume, with direct mint-and-burn capabilities optimal at $30 million+. (2) Implement non-custodial architecture—MPC-based wallet infrastructure enables client-controlled models satisfying regulatory requirements. (3) Integrate compliance workflows—embedded KYB/KYC, sanctions verification, address screening, and Know Your Transaction monitoring. (4) Configure policy-driven controls—automatic fiat conversion, role-based permissions, multi-user approvals, whitelisted addresses, and velocity limits.

What are the high-impact use cases for stablecoin treasury operations?

Three primary use cases: (1) Mass disbursements and payroll—gig economy platforms and marketplaces distributing payments to contractors and creators at scale. (2) B2B vendor payments—immediate settlement reducing days sales outstanding (DSO) and improving supplier relationships; 71% of Latin American firms use stablecoins for cross-border payments according to Coinlaw. (3) Cross-border treasury management—multi-currency corridors with partner-enabled coverage in 190+ countries, handling fiat-to-stablecoin flows while maintaining compliance across jurisdictions.

What should institutions look for when selecting a stablecoin treasury platform?

Institutional buyers should prioritize: flat SaaS pricing that scales predictably, zero basis-point fees for on-platform activity, true multi-tenant white-label infrastructure, API-first architecture for integration with existing systems, modular compliance components adaptable by jurisdiction, and direct stablecoin issuer integrations for mint-and-burn access. Retail platforms like Coinbase Commerce charge percentage-based fees that erode margins at scale, while enterprise platforms offer economics that improve with volume.