Validating Stablecoin Settlement for Cross-Border Payments
A global bank wanted to assess whether stablecoins could reduce settlement time and friction in cross-border payments.
Outcomes
<5 mins
Settlement Time
55%
Transfer Cost Reduction
95%
Compliance Adherence Score
100%
Intraday Balance Tracking
Technology Vendors Suited to Evaluation
Business Problem
Cross-border payments remain trapped in legacy processes – multi-hop settlement chains, delayed confirmations, and opaque liquidity management.
The bank needed to validate whether stablecoins could deliver faster, cheaper, and more transparent settlement without exposing its core systems or breaching policy controls.
Internal teams couldn’t move forward on strategy until they had verifiable data on real-world performance, compliance readiness, and operational impact.
Challenges
- Latency & Cost: Cross-border payments remained slow and costly due to intermediaries and reconciliation lags.
- Liquidity Blind Spots: Treasury lacked real-time insight into intraday positions across currencies.
- Vendor Noise: Multiple stablecoin providers made it hard to identify which met operational, compliance, and data standards.
- Proof Required: Business leaders wanted evidence before committing to blockchain integrations or partnerships.
From Idea to Evidence with NayaOne
The bank ran a structured proof of concept (PoC) within NayaOne’s secure, off-premise environment to evaluate multiple stablecoin settlement providers. Using synthetic transaction data and pre-configured APIs, the teams replicated real cross-border payment flows without touching production systems. This allowed them to safely assess settlement speed, cost, and compliance alignment before any vendor onboarding or regulatory engagement.
- Secure Off-Premise PoC: Conducted within NayaOne’s air-gapped environment, fully isolated from production networks.
- Synthetic Transaction Data: Simulated realistic USD–GBP and USD–AED payment flows without exposing sensitive data.
- Multi-Vendor Evaluation: Integrated and compared multiple stablecoin settlement APIs available via the Enterprise Gateway.
- Scenario Simulation: Tested issuance, transfer, and redemption events to measure performance, reconciliation accuracy, and compliance fit.
- Policy & Risk Review: Validated AML, KYC, and transaction-monitoring processes against existing internal standards.
- Benchmarking & Reporting: Produced evidence-based reports on cost, latency, and liquidity visibility for leadership sign-off.
Impact Metrics
PoC Timeline Reduction
4 weeks end-to-end validation (vs. 6 – 8 months)
Time Saved in Vendor Evaluation
84% faster vendor evaluation
Reduced Validation Costs
85 – 92% lower
KPIs
- Settlement Speed (mins): Time from transaction initiation to completion
- Transaction Cost (%): Average reduction compared to legacy cross-border methods
- Liquidity Visibility (%): Availability of real-time balance tracking across corridors
- Compliance Adherence (%): Alignment with internal AML, KYC, and monitoring policies
- Integration Readiness (%): Vendor capability to meet API, policy, and reporting standards
Validate Stablecoin Settlement Safely
Simulate, benchmark, and validate stablecoin solutions for cross-border or liquidity use cases – securely and at speed.
