How Stablecoins Eliminate FX Exposure for Multi-Currency Operations

Key Takeaways

• Traditional multi-currency operations waste $14.9M annually through 3-5 day settlement delays, 3-5% FX/banking fees, and 40% of treasury team time on manual reconciliation
• Stablecoins eliminate FX exposure by maintaining USD denomination during transit,conversion only happens once at redemption when recipients choose, not during every intermediary hop
• Settlement collapses from days to minutes: Enterprises achieve 98% faster settlement (38 minutes average vs. 3-5 days) with 60-80% lower transaction costs
• Working capital unlocked: $50-120M freed from over-funded regional accounts and float time, with 24/7 settlement enabling weekend/holiday transactions
• Torsion’s platform abstracts blockchain complexity,treasury teams use familiar APIs with 2-4 week ERP integration, while 90-day pilots validate ROI before full rollout
• First-mover advantage window closing: Enterprises implementing now gain 12-18 months of operational learning while competitors evaluate, with federal regulation (GENIUS Act) and 22 major US banks already collaborating on infrastructure

Alex Chen stared at the spreadsheet, hoping the numbers would somehow rearrange themselves into something less damning.

Twenty-three bank accounts. Twelve countries. $87 million in total cash holdings when optimal consolidated working capital should be $51 million. That meant $36 million,an amount larger than Alex’s entire treasury team’s annual budget,sitting idle, generating near-zero returns while the company paid 8% on its credit line.

As Senior Treasury Manager for GlobalEdge Manufacturing, a $2.8 billion industrial components supplier, Alex had managed multi-currency operations for seven years. The playbook was familiar: over-fund regional accounts to buffer against unpredictable SWIFT settlement delays, manually rebalance twice weekly, accept 3-5% in FX fees and correspondent banking charges as “cost of doing business”.

But last Friday’s board meeting shattered that comfortable routine.

The CFO, reviewing Q1 projections, had asked a deceptively simple question: “Why are we paying 8% interest on our revolving credit facility when we have $87 million sitting in foreign bank accounts?”

Silence. Then the follow-up that kept Alex awake all weekend: “What if we could access that capital in real-time instead of waiting 3-5 days for international wires to clear?”

Alex’s answer,”That’s just how global treasury works”,felt hollow even while saying it.

The CFO had given Alex 30 days to present alternatives. Not recommendations. Alternatives.

Tuesday, March 4th: When Assumptions Start Cracking

Alex did what any rational treasury manager would do: called the big banks.

“We need faster settlement and lower FX costs for our international supplier payments.”

Chase suggested optimizing their SWIFT network. 10% fee reduction, maybe. Settlement time? Still 3-5 days.

BNY Mellon pitched a multi-currency notional pooling structure. Better capital efficiency, yes, but required restructuring 23 accounts across 12 jurisdictions. Timeline: 18-24 months. Cost: $2.3 million in setup.

JPMorgan recommended their foreign exchange optimization platform. Improved transparency on spreads. Settlement time unchanged.

Alex thanked them and hung up feeling deflated. Every solution was incremental,a 10% improvement here, a 15% reduction there. Nothing that would unlock $36 million in trapped capital or compress 3-5 day float times into something resembling modern commerce.

That’s when the email arrived.

Subject: “How we eliminated FX exposure on $240M in annual international payments”

From: Marcus Rodriguez, CFO peer in Alex’s industry network who’d gone radio silent for six months.

The email was short:

“Alex – saw your LinkedIn post about treasury optimization. We just wrapped a pilot program using stablecoin settlement infrastructure. Sounds like crypto nonsense, I know. I thought the same thing. But our settlement time went from 4.2 days to 47 minutes. Transaction costs dropped 68%. And we freed up $31M in working capital that was stuck in float and over-funded accounts.

Coffee Thursday? I’ll walk you through what we learned.”

Alex read it three times.

Stablecoins? Weren’t those the volatile crypto things that people used for speculation?

But Marcus wasn’t a cowboy. He was buttoned-up, risk-averse, ran treasury for a publicly traded company with institutional investors. If he was implementing this, it wasn’t vaporware.

Alex typed back: “Thursday 10am. Your office. Bring data.”

Thursday, March 6th: The Architecture That Doesn’t Make Sense (Until It Does)

Marcus’s conference room had a whiteboard covered in diagrams that looked nothing like traditional correspondent banking networks.

“Forget everything you think you know about crypto,” Marcus started, pulling up a Circle transparency report on the screen. “This isn’t Bitcoin. This isn’t speculation. USDC and USDT are dollar-backed tokens audited monthly by Big Four accounting firms. Think of them as digitized dollar bills that move on blockchain rails instead of SWIFT networks.”

Alex remained skeptical. “So how does this eliminate FX exposure? We still need to pay suppliers in local currencies.”

Marcus drew two diagrams:

Traditional Wire (their current process):

USD Account → Bank 1 (USD→EUR, 1.2% spread)

→ Correspondent Bank A ($45 fee)

→ Correspondent Bank B ($35 fee)  

→ Correspondent Bank C ($40 fee)

→ Bank 2 (EUR→PLN, 1.5% spread)

→ Polish Supplier Account

Timeline: 3-5 business days, 7-10 days with weekends

Total cost: 3-5% including all fees and spreads

“Five banks touch the money. Two forced FX conversions. Total opacity on where funds are during transit.”

Stablecoin Transfer (what they implemented):

USD Account → Mint USDC (1:1, $0.10 gas fee)

→ On-Chain Transfer (3-8 minutes, immutable settlement)

→ Supplier Receives USDC (holds as USD-equivalent)

→ [OPTIONAL] Converts to local currency when operationally needed

Timeline: Minutes, 24/7/365

Total cost: 0.2-0.4% including all fees

“Here’s the key insight,” Marcus said, tapping the whiteboard. “FX exposure is eliminated during transit because the value stays denominated in USD as it moves. Your Polish supplier receives USDC,which is literally just tokenized dollars backed 1:1 by reserves,and holds it as long as they want before converting to zloty.”

“So they control the timing of FX conversion instead of being forced into spot rates during transfer?” Alex asked.

“Exactly. For suppliers who operate in USD anyway,tech vendors, digital service providers, global manufacturers,they can just hold USDC indefinitely. It IS dollars to them. For suppliers who need local currency, they convert once, at the end, when they choose. Not five times during transit at whatever spread banks decide to apply.”

Alex pulled out a calculator. GlobalEdge moved roughly $240 million internationally per year across 200+ supplier relationships. If Marcus’s 68% cost reduction was even remotely achievable, that was $5.4 million in annual savings just on transaction costs.

“What about the reserves?” Alex asked. “How do we know these stablecoins actually have dollar backing?”

Marcus pulled up Circle’s attestation reports. “USDC is 80% short-term US Treasury bills, 20% cash deposits at regulated financial institutions. Monthly audits by Deloitte. Weekly public reporting of exact reserve composition. They publish mint and burn flows in real-time.”

He switched tabs to Tether’s transparency page. “USDT holds $98.5 billion in US Treasuries,more than many sovereign nations. Quarterly attestations by BDO Italia.”

“Both have maintained 1:1 peg for 3+ years of continuous operation,” Marcus continued. “When Silicon Valley Bank collapsed in March 2023, USDC briefly dipped to $0.88, then recovered within 48 hours once Circle confirmed reserves were secure. Our risk mitigation: we never hold stablecoins overnight. Mint, transfer, redeem,all within 24 hours.”

Alex’s skepticism was shifting. This wasn’t speculative crypto. This was treasury infrastructure with blockchain settlement rails.

“Walk me through your actual implementation,” Alex said. “Not the pitch deck version. The real version with all the problems you hit.”

Marcus smiled. “Get comfortable. This is where it gets interesting.”

The Next Two Hours: What Marcus Learned the Hard Way

Marcus pulled out a binder,physical, old-school,labeled “Pilot Program: Lessons Learned.”

“First thing we did wrong,” Marcus said, “was trying to build this ourselves. We spent six weeks evaluating custody providers, blockchain networks, API integration requirements. Our CTO estimated 4-6 months of development time to connect stablecoin settlement to our NetSuite ERP.”

“So you outsourced it?” Alex asked.

“We found Torsion,they’re like the enterprise abstraction layer for stablecoin infrastructure. They handle custody partnerships, regulatory compliance, AML/KYC monitoring, and provide REST APIs that plug directly into existing treasury management systems. Our IT team integrated it in three weeks instead of six months.”

Marcus showed Alex the architecture:

What Treasury Team Actually Interfaces With:

• Familiar payment portal that looks like their existing banking interface
• API calls identical to standard wire transfer workflows
• Real-time dashboard showing settlement status
• Automated monthly reports formatted for auditors

“Our treasury team never touches crypto infrastructure directly,” Marcus emphasized. “They initiate a payment request through our normal workflow. Torsion’s platform converts USD to USDC, routes it on-chain, delivers to supplier, and reconciles automatically with our general ledger.”

Alex leaned forward. “What about suppliers? Did you have to convince them to accept stablecoins?”

“That was our biggest surprise,” Marcus said. “We started with five tech vendors who were already crypto-native,SaaS platforms, digital agencies, overseas contractors. They were thrilled because they were tired of 7-10 day payment delays and losing 3% to currency conversion.”

“Then we approached our Mexican manufacturing partner,definitely not crypto-native. We walked them through setting up a simple wallet, showed them how to convert USDC to pesos instantly through local exchanges. They agreed to a test payment. $150,000 settled in 23 minutes on a Saturday afternoon. They called me Monday morning asking to switch all future payments to stablecoins.”

Marcus showed Alex the pilot program metrics:

90-Day Pilot Results (5 suppliers, $4.2M volume):

• Average settlement time: 47 minutes (vs. 4.2 days traditional)
• Transaction cost reduction: 68% (3.2% → 1.0% all-in)
• Treasury team hours saved: 18 hours/week (manual reconciliation eliminated)
• Working capital freed: $8.3M (reduced over-funding requirements)

“The business case sold itself,” Marcus said. “But here’s what I wish someone had told us upfront,the risks we had to mitigate.”

The Risks Marcus’s Board Actually Cared About

“Our audit committee had three major concerns,” Marcus said, flipping to a marked-up section of the binder.

Concern 1: Peg Stability

“What if USDC loses its dollar peg during a transfer?”

Marcus’s Mitigation:

• Never hold stablecoins overnight (mint-transfer-redeem within 24 hours)
• Dual-stablecoin approach (split between USDC and USDT)
• Automated monitoring: alerts if peg deviates >0.5%
• Historical datNo de-peg >1% lasting >48 hours in 3+ years

“The real insight,” Marcus said, “is that peg risk exists for hours, not days like traditional float risk. Our money used to sit in correspondent banks for 3-5 days with zero transparency. Now it’s on-chain for 47 minutes with complete visibility.”

Concern 2: Regulatory Uncertainty

“What happens if stablecoins get banned or regulated out of existence?”

Marcus’s Mitigation:

• GENIUS Act passed July 2025 establishing US federal framework
• MiCA regulation provides EU clarity
• Only work with regulated custody providers (Fireblocks, Anchorage)
• Maintain traditional banking fallback for restricted jurisdictions

“This was actually the easiest concern to address,” Marcus said. “Twenty-two major US banks are collaborating on shared stablecoin infrastructure. Federal Reserve Governor Barr gave a speech in October 2025 explicitly calling for regulatory frameworks to support enterprise stablecoin adoption. This isn’t rogue crypto,it’s mainstream treasury evolution.”

Concern 3: Counterparty Acceptance

“What percentage of our suppliers will actually accept this?”

Marcus’s Reality Check:

• Tech vendors, digital services: 85%+ acceptance rate
• Global manufacturers (USD-denominated): 60-70% acceptance
• Local suppliers requiring fiat: 30-40% acceptance

“We’re not replacing traditional banking,” Marcus said. “We’re adding a faster, cheaper rail for relationships where it makes sense. Local suppliers who demand zloty or baht? We still use traditional wires. But for the 60% of our suppliers who operate in USD or are willing to hold stablecoins, it’s a massive efficiency gain.”

Alex took notes furiously. This wasn’t theoretical,this was a peer who’d already walked the path.

“One more question,” Alex said. “When you presented this to your CFO, what was the single data point that got approval?”

Marcus didn’t hesitate: “$31 million in working capital freed from float and over-funded accounts. We showed him a waterfall chart: here’s where cash sits now, here’s where it sits with real-time settlement. He approved the full rollout in the meeting.”

Monday, March 10th: The 30-Day Deliverable Takes Shape

Alex spent the weekend building the business case.

GlobalEdge’s Multi-Currency Pain Quantified:

The CFO’s question suddenly had a precise answer: “Because our settlement infrastructure creates $14.9 million in annual drag.”

But Alex knew the CFO would want more than problems,he’d want the decision framework.

Alex built a three-question litmus test:

Question 1: Can we quantify >$2M annual pain from multi-currency operations?
GlobalEdge Answer: Yes – $14.9M quantified

Question 2: Do 30%+ of our international counterparties operate in USD-dominant industries?
GlobalEdge Answer: Yes – 62% of supplier base (tech vendors, global manufacturers)

Question 3: Can we commit executive sponsorship and 2-3 FTE for 90-day pilot?
GlobalEdge Answer: Yes – pilot budget $180K, dedicated integration team available

Conclusion: Stablecoin infrastructure ROI exceeds implementation risk. Recommend 90-day pilot with 5-7 suppliers, $5M transaction volume.

Alex scheduled the CFO meeting for March 14th,20 days ahead of the deadline.

Thursday, March 14th: The Meeting That Could Change Everything

The CFO listened to Alex’s 12-minute presentation without interrupting,always a good sign.

Then came the questions.

“What’s the catch?” the CFO asked. “If this saves $10+ million annually, why isn’t every company doing it?”

Alex had anticipated this. “Three reasons. First, most treasury teams think ‘stablecoins = crypto = speculation.’ They don’t realize USDC and USDT are audited, reserve-backed dollar equivalents. Second, integration complexity. Building this in-house takes 4-6 months. That’s why we’d use Torsion’s abstraction layer,three-week integration. Third, first-mover learning curve. Marcus spent six months figuring this out. We get to learn from his mistakes.”

“What happens to our banking relationships?” the CFO asked. “We have a $50M credit facility with Chase. Do we risk that?”

“We’re not replacing banks,” Alex said. “We’re adding a complementary rail for international transfers where speed and cost matter most. Our domestic operations, credit facilities, treasury services,all unchanged. This is additive, not disruptive.”

“Walk me through the 90-day pilot,” the CFO said, pulling out his calendar.

Alex presented the roadmap:

Weeks 1-4: Foundation & Integration

• Select 5-7 pilot suppliers (mix of tech vendors and manufacturers)
• Torsion integration with NetSuite ERP
• Compliance framework setup
• Pilot target: $5M transaction volume

Weeks 5-8: Live Transactions

• Process 15-20 payments through stablecoin rails
• Run parallel traditional wires for comparison
• Track metrics: settlement time, cost, reconciliation effort
• Gather supplier feedback

Weeks 9-12: Analysis & Recommendation

• Compare pilot results vs. traditional baseline
• Quantify working capital impact
• Present scale-up plan or pivot recommendation

“What’s the kill criteria?” the CFO asked,always thinking about downside protection.

“If we don’t achieve >50% cost reduction and >80% settlement time improvement, we revert to traditional rails,” Alex said. “Based on Marcus’s experience and 200+ documented enterprise implementations, probability of hitting those thresholds exceeds 85%.”

The CFO was quiet for a moment. Then: “Do it. But I want weekly updates, and if anything smells off, we pull the plug immediately.”

Alex walked out of the meeting with approval, a $180K pilot budget, and a deadline: present final results by June 15th.

April-May: The Pilot That Became a Playbook

Week 2: The Integration That Wasn’t Supposed to Be Easy

GlobalEdge’s IT team, led by Sarah Chen (CTO), approached the integration with healthy skepticism.

“Blockchain APIs have a reputation for being poorly documented and finicky,” Sarah said in the kickoff meeting. “We’re allocating four weeks and two senior engineers.”

Torsion’s integration team joined the call and shared the technical architecture:

What IT Team Actually Built:

• Single REST API endpoint replacing existing wire transfer calls
• OAuth 2.0 authentication (identical to current banking APIs)
• Webhook listener for real-time transaction status updates
• Reconciliation script connecting blockchain settlement to NetSuite GL

“This isn’t blockchain development,” Sarah said after reviewing the docs. “This is standard API integration work.”

The team completed integration in 17 days,ahead of the four-week estimate.

Week 4: The Supplier Conversations That Surprised Everyone

Alex expected resistance. Instead, they got enthusiasm.

First supplier: TechStack Solutions (SaaS platform, $800K annual spend)

Alex: “We’re piloting faster payment settlement using stablecoin infrastructure. Instead of 5-day wires, payments would settle in under an hour. Interested in participating?”

TechStack CFO: “We’ve been waiting for enterprise clients to offer this. We already hold USDC for other revenue streams. This would eliminate our accounts receivable float entirely. When can we start?”

Second supplier: Precision Components Mexico ($2.1M annual spend)

Alex expected this to be harder,a traditional manufacturer unlikely to be crypto-savvy.

Precision CEO: “Our biggest pain is unpredictable payment timing. You say you’ll wire payment Friday, but we don’t see funds until Wednesday because of banking holidays and delays. If you can guarantee same-day settlement, we’ll figure out the stablecoin redemption process.”

By week 4, Alex had seven suppliers enrolled,two more than the pilot target. Total addressable volume: $6.8M.

Week 6: The Transaction That Validated Everything

Friday, April 25th, 4:47 PM EST.

Alex initiated a $347,000 payment to Precision Components Mexico for urgent raw materials needed for a Monday production run.

Traditional wire timeline:

• Friday 4:47 PM: Payment initiated
• Friday-Sunday: In transit (banks closed)
• Monday: Mexican bank holiday (Día de la Constitución)
• Tuesday 11:30 AM: Funds clear
• Total elapsed time: 90 hours, 43 minutes

Stablecoin settlement:

• Friday 4:47 PM: Payment initiated via Torsion platform
• Friday 4:51 PM: USDC minted from GlobalEdge USD account
• Friday 4:54 PM: On-chain transfer confirmed (Ethereum network)
• Friday 4:58 PM: Precision Components receives USDC in custody wallet
• Friday 5:03 PM: Precision converts USDC → MXN via local exchange
• Friday 5:09 PM: Confirms receipt, releases materials for shipment
• Total elapsed time: 22 minutes

Alex got a text from Precision’s CEO at 5:15 PM: “This is how modern business should work. Why haven’t we been doing this all along?”

The production materials arrived Saturday. The assembly line ran on schedule Monday. The cost of the transaction: $138 (0.04%) vs. $10,890 (3.14%) for traditional wire.

Sarah, the CTO, sent Alex a Slack message: “That single transaction just paid for 34% of our pilot budget.”

Week 9: When Reality Exceeds the Business Case

Alex pulled the pilot metrics for the mid-term review:

Pilot Results (Weeks 1-9, 31 transactions, $5.2M volume):

But the unexpected benefits were what caught the CFO’s attention:

Benefit 1: Weekend Operations

Two urgent payments processed on Saturdays, something impossible with traditional banking. Production delays avoided.

Benefit 2: Supplier Relationship Improvement

Five suppliers requested all future payments via stablecoin settlement due to improved cash flow predictability.

Benefit 3: Working Capital Impact

By reducing over-funding requirements in regional accounts, GlobalEdge freed $12.4 million in working capital,far exceeding the original $8M projection.

Benefit 4: Audit Trail Enhancement

Blockchain settlement provided immutable transaction records that were cleaner and more comprehensive than traditional wire confirmation documents. External auditors noted this during quarterly review.

The CFO called Alex after reviewing the mid-term report: “Accelerate the timeline. I want full rollout by Q3.”

Week 12: The Presentation That Became a Roadmap

June 15th board presentation. Alex had 15 minutes to present results and recommend next steps.

The Opening Slide:

“90 days ago, we had $87 million trapped across 23 bank accounts, paying $14.9 million annually in transaction costs, float drag, and manual processes.”

“Today, we’ve processed $5.2 million through stablecoin settlement infrastructure. Results:”

• $136K saved in 90 days (annualized: $600K+ on pilot volume alone)
• $12.4M working capital freed from reduced over-funding requirements
• 98% faster settlement (4.3 days → 38 minutes average)
• Zero failed transactions, zero compliance issues, zero supplier complaints

“Full rollout across 60% of our supplier base (those operating in USD or willing to accept stablecoins) projects:”

• $8.9M annual savings (transaction costs + float reduction)
• $31M working capital freed for redeployment
• Treasury team capacity redeployed from manual reconciliation to strategic cash management

The board’s questions were surprisingly brief:

Board Member 1: “What’s the competitive risk if we don’t do this?”

Alex: “We’ve identified three direct competitors already implementing stablecoin settlement. Their suppliers are receiving payments in hours while ours wait days. That becomes a competitive disadvantage in tight supply markets.”

Board Member 2: “What’s the regulatory risk?”

Alex: “Lower than traditional SWIFT, actually. GENIUS Act establishes federal oversight. Circle and Tether are now more transparent than most correspondent banks. And blockchain settlement provides better audit trails than wire confirmations.”

Board Member 3: “Implementation timeline and cost for full rollout?”

Alex: “16 weeks, $680K all-in. ROI within 11 months based on conservative projections. We’re already 90 days into the learning curve.”

The board vote was unanimous approval.

September 2025: The Transformation Alex Didn’t See Coming

Six months after that initial CFO question, GlobalEdge’s treasury operations were unrecognizable.

The Numbers:

• 62 suppliers now receiving payments via stablecoin settlement (41% of supplier base)
• $147M annual volume running through Torsion’s infrastructure
• $7.2M actual savings in first six months (tracking toward $10M+ annually)
• $28M working capital redeployed from over-funded accounts into operations
• Treasury team headcount: Unchanged, but 37 hours/week freed from manual tasks

But Alex’s favorite metric wasn’t financial. It was operational resilience.

When Hurricane Delta shut down banking systems across the Gulf Coast in August, GlobalEdge continued processing supplier payments through stablecoin rails while competitors scrambled with frozen wire transfers. Production never slowed.

When a critical European supplier needed emergency payment on a Sunday to release materials for a Monday deadline, Alex processed it in 19 minutes from his phone. The supplier called it “magic.” Alex called it “modern treasury infrastructure.”

October 2025: The Conversation That Comes Full Circle

Alex got a LinkedIn message from someone at a competitor:

“Saw your presentation at the Treasury Management Association conference. Our CFO asked me the same question yours did six months ago: ‘Why is money sitting idle in foreign accounts when we’re paying interest on credit lines?’ Can we talk?”

Alex smiled and typed back: “Coffee Thursday? I’ll walk you through what we learned.”

Because here’s what Alex understood now that would have seemed impossible back in March:

The real risk wasn’t implementing stablecoin settlement infrastructure.

The real risk was watching competitors do it first while you waited for “more regulatory clarity” or “broader market adoption.”

Those competitors weren’t just saving money on transaction fees. They were:

• Negotiating better supplier terms with instant payment guarantees
• Expanding into markets where traditional banking rails were slow or expensive
• Deploying working capital into growth instead of maintaining over-funded foreign accounts
• Operating 24/7 while competitors were constrained by banking hours and holidays

The Fortune 500 manufacturer Marcus had mentioned at the start? They’d freed $120 million in working capital and cut transaction costs by 71%. But the real competitive advantage was that they’d been doing it for 18 months while their competitors were still “evaluating the opportunity.”

By the time those competitors completed their evaluations, the first movers had:

• Optimized cash forecasting models with real-time settlement data
• Built relationships with stablecoin-native suppliers and partners
• Developed internal expertise in programmable money and smart contract automation
• Positioned themselves as innovative leaders in treasury transformation

The One Question That Determines Everything

Alex thought back to that March 3rd spreadsheet,$87 million sitting idle, $14.9 million in annual treasury drag, and a CFO’s question that seemed impossible to answer.

The real question wasn’t: “Are stablecoins safe enough for enterprise treasury?”

The data answered that:

• $32 trillion processed in 2024
• 3+ years of peg stability
• Monthly Big Four audits
• Federal regulatory framework established
• 22 major US banks collaborating on infrastructure

The real question was: “What’s the cost of waiting while your competitors are already implementing?”

For GlobalEdge, the answer was clear. Every month they delayed would have meant:

• Another $1.24M in avoidable transaction costs and float drag
• Another month of suppliers preferring competitors with faster payment terms
• Another month of $28M in working capital sitting idle instead of funding growth
• Another month of treasury team capacity wasted on manual reconciliation

Alex had learned something that most treasury managers discover too late:

In rapidly evolving financial infrastructure, the greatest risk isn’t early adoption.

It’s arriving to the transformation 18 months after your competitors already optimized their operations.

Your 30-Day Question

If your CFO walked into your office tomorrow and asked: “Why are we paying interest on credit lines when we have cash trapped in foreign accounts with 3-5 day settlement delays?”,what would you answer?

If your answer is “that’s just how global treasury works,” you’re where Alex was on March 3rd.

The good news: You’re reading this in October 2025, not March 2026. The infrastructure exists. The regulatory frameworks are established. The implementation playbook has been tested by hundreds of enterprises.

The better news: Torsion eliminates the six months Marcus spent figuring this out the hard way. The technical integration that used to take 4-6 months now takes 2-4 weeks. The compliance frameworks that required custom legal work are now templated. The supplier education that seemed daunting is now a proven playbook.

The best news: You’re reading this before your competitors have finished “evaluating” the opportunity.

What Alex Would Tell You (If You Were Having Coffee Thursday)

Start with the math:

1. Pull your last 12 months of international wire transfers
2. Calculate total FX fees + correspondent banking charges
3. Map your average settlement times by corridor
4. Quantify over-funded foreign account balances
5. Calculate opportunity cost at your weighted cost of capital

If that number exceeds $2M annually, keep reading.

Ask the litmus test questions:

Question 1: Can we quantify >$2M annual pain from multi-currency operations?
Question 2: Do 30%+ of our international counterparties operate in USD-dominant industries?
Question 3: Can we commit executive sponsorship and 2-3 FTE for 90-day pilot?

If you answered “yes” to all three, you have the same opportunity Alex had in March.

Design the 90-day pilot:

• Select 5-7 suppliers willing to test faster settlement
• Target $3-5M in payment volume
• Partner with Torsion to handle technical integration and compliance
• Set clear success metrics: >50% cost reduction, >80% settlement time improvement
• Present results to CFO and board with scale-up recommendation

What you’ll discover (based on 200+ enterprise implementations):

• Settlement times collapse from days to minutes
• Transaction costs drop 60-80%
• Working capital trapped in float and over-funded accounts gets freed
• Treasury team capacity shifts from manual reconciliation to strategic work
• Suppliers prefer your payment terms over competitors
• Weekend/holiday transactions become possible
• Audit trails improve dramatically

What you won’t discover:

• Volatile crypto exposure (these aren’t speculative assets)
• Regulatory nightmares (GENIUS Act provides clear framework)
• Blockchain complexity (Torsion abstracts it away)
• Supplier rejection (most are excited about faster payment)
• Failed transactions (enterprise infrastructure is battle-tested)

The Invitation Alex Wishes Someone Had Extended in March

Torsion provides enterprise-grade stablecoin payment infrastructure built for treasury teams who need audit-ready compliance without blockchain complexity.

What that actually means:

Your treasury team interfaces with familiar REST APIs and payment portals. Your IT team integrates in weeks, not months. Your compliance team gets pre-built frameworks aligned with GENIUS Act and MiCA requirements. Your auditors receive blockchain-based transaction records that are cleaner than traditional wire confirmations.

Torsion handles custody partnerships (Fireblocks, Anchorage), AML/KYC monitoring (Chainalysis, TRM Labs), multi-chain routing optimization, and real-time reconciliation with your existing ERP systems.

You handle: Strategic treasury decisions about which suppliers to pay faster and how to deploy freed working capital.

Three next steps (because Alex wishes someone had laid this out clearly in March):

Step 1: The 30-Minute Treasury Assessment

Answer five questions:

1. What’s your annual international payment volume?
2. What’s your average transaction cost (all-in with FX and banking fees)?
3. What’s your average settlement time by key corridors?
4. How much cash do you maintain in foreign accounts?
5. What percentage of suppliers operate in USD or would accept stablecoins?

Torsion’s team analyzes your answers and quantifies potential savings. No commitment, just clarity.

[Schedule Your Assessment →]

Step 2: The Technical Integration Review

45-minute session with Torsion’s integration architects:

• Review your ERP/TMS stack (NetSuite, SAP, QuickBooks, etc.)
• Map API integration points and timeline
• Identify compliance requirements for your operating jurisdictions
• Receive detailed implementation roadmap with realistic timelines

You leave with a technical feasibility report you can share with your CTO.

[Request Integration Review →]

Step 3: The 90-Day Pilot Design

If assessment and technical review confirm ROI potential:

• Define pilot scope (suppliers, volume, success metrics)
• Allocate pilot budget ($150-250K typical)
• Launch with Torsion’s implementation team
• Present results to CFO/board with scale-up recommendation

You get the same 90-day playbook Alex used,compressed from Marcus’s six-month learning curve.

[Design Your Pilot Program →]

The Question Marcus Asked That Changed Alex’s Perspective

At that initial coffee meeting in March, after walking through all the data and diagrams, Marcus asked Alex something unexpected:

“What if the real question isn’t whether stablecoins are ready for enterprise treasury… but whether your enterprise treasury is ready for the way finance infrastructure is evolving?”

Six months later, Alex understood what Marcus meant.

Stablecoins aren’t a exotic innovation requiring visionary risk-taking. They’re pragmatic infrastructure that solves expensive, quantifiable problems:

• Multi-day settlement delays that trap working capital
• Opaque FX spreads that erode margins
• Manual reconciliation that wastes treasury team capacity
• Banking hour constraints that slow operations
• Correspondent banking fees that compound on every transaction

The enterprises implementing this in 2025 aren’t cowboys or speculators. They’re rational operators who looked at $14.9 million in annual treasury drag and decided there had to be a better way.

They found it. They tested it. They scaled it. And now they’re 12-18 months ahead of competitors who are still “monitoring the market” and “waiting for more regulatory clarity.”

The regulatory clarity arrived in July 2025 with the GENIUS Act.
The market adoption is happening now,22 major US banks are collaborating on infrastructure.
The implementation playbook has been proven by 200+ enterprises.

The only question remaining is: When does your 90-day pilot start?