Petl Embeds Open Banking for Instant UK/EU Payments

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This really highlights how expectations in payments are changing (though 5-day SWIFT payments are outliers). For a long time, “fast” meant instant authorization, even if settlement took a few days. That gap was accepted because there wasn’t a credible alternative. Stablecoins are resetting the bar. When a transaction is both instant and final, expectations around liquidity, visibility, and risk shift quickly. For regional banks, this is less about disruption and more about how to respond. As pressure builds on fee income and float, the focus turns to investing in modern payment capabilities and partnering with the right fintech and infrastructure providers to stay competitive. The real question is how quickly institutions adapt when “instant” actually means final. #instantpayents #globalpayments #fintech

Great visual to put it into perspective. Instant settlement isn’t a new concept - it’s core to our model Coinflow.

"The practical impact is fairly straightforward. The markup narrows the stablecoin yield story, but it does not narrow the opportunity for providers of stablecoins..." It looks like the Clarity Act will get a vote in the Senate Banking Committee this week, including the compromise language on yield. I was asked about the markup last week, and my comments were included in a PaymentsJournal piece. (Link in the first comment. Thanks, Tom Nawrocki). There are still plenty of hurdles, including an ongoing push by the banking lobby against the Clarity Act, but it does seem like it is making steady progress.

With the addition of USDT, Modern Treasury now supports the majority of coins in circulation, between USDG, USDC, and now USDT. Combined with our fiat capabilities across wire, ACH, and RTP/FedNow, Modern Treasury is now a best-in-class platform for on- and off-ramps. Come talk to us if you're looking to include stablecoin payments into your payment stack!

Great to see this getting traction! The 'stablecoin sandwich' was a helpful first step, but for stablecoins to keep scaling the industry needs to solve the whole 'bento box' of cross-border commerce. A faster payment is only part of it, and the real work is connecting the reconciliation, named accounts, compliance, and treasury management that come with operating globally.

The “stablecoin sandwich” helped explain why stablecoins matter for cross-border payments: Fiat in → stablecoin settlement → fiat out. And it worked. Stablecoins are a powerful part of payment infrastructure — faster, cheaper, and more transparent than traditional correspondent banking. But global money movement doesn’t stop at settlement. A real business still has to manage local collection, named accounts, FX and liquidity, compliance in flow, local payouts, and reconciliation across markets. The sandwich solves one layer. But companies operating across multiple countries don’t just need a faster bridge. They need the whole operating system around it. The next model is the stablecoin bento. Each compartment has a specific function, each layer is designed to work with the others, and the “box” connects compliance, routing, treasury, and visibility across the whole stack. Because the future of cross-border money movement won’t be won by whoever adds the most filling. It will be won by whoever owns the whole box. Read more: https://bit.ly/4tRvaLH

Over 47% of XRP Supply Sits in Exchange Wallets as K Bank Tests Ripple: Nearly half of the circulating XRP supply is currently held in exchange-linked wallets. This is even as banks begin testing their use in real payment systems. On one hand, there’s strong liquidity across trading platforms. On the other hand, institutions are exploring whether XRP-based infrastructure can support faster cross-border transfers. South Korea’s K Bank is […]

Banks should start issuing credit lines for tokens and API usage. At this point, monthly API spend can climb faster than rent. Or at least add “responsible token consumption” to the credit score