3 real-world stablecoin use cases and why LatAm is the perfect testbed

The Stablecoin Conference LATAM 2025, hosted by Bitso Business at the WTC Mexico City (August 27–28, 2025), brought together 1,000+ attendees and 100+ speakers from financial institutions, crypto infrastructure firms, and regulators.

Speaker lineups included Daniel Vogel (CEO, Bitso), Imran Ahmad (GM, Bitso Business), Michael Shaulov (CEO, Fireblocks), and Matthew Oppenheimer (CEO, Remitly), among others. Against that backdrop, let’s get practical: how to use stablecoins in corporate remittances and international A/R to gain speed, visibility, and cost savings.

This article draws on the session “Vision 2030: Stablecoins and Latin America’s financial future”. This talk was designed to answer operational—not theoretical—questions about how stablecoins are reshaping cross-border payments, corporate remittances and international receivables across the region. The panel featured Fran Strajnar (Founder of Techemy.Capital), Alejandro Alor (Head of Regulatory & Legal Affairs for LatAm, North LatAm, and the Caribbean at Binance), Nick Martitsch (Head of GTM at Paradigm), and Patrick Mollard (Co-founder & CEO at Cipto, global payments infrastructure). Their combined perspectives on regulation, market liquidity, and payment-rail infrastructure ground the practical takeaways we expand on here, supplemented with external analysis to deliver actionable guidance for finance teams. 

Why now: macro and market signals

Latin America sits in a fertile paradox: companies with global ambitions and margins squeezed by cross-border banking costs, FX volatility and settlement times measured in days. Stablecoins offer a pragmatic way out because they concentrate global liquidity (especially USDT and USDC), enable near-instant transfers with auditable on-chain traceability, and—crucially—return control of conversion timing to treasury. The region already moves billions in remittances and trade; shifting those flows onto tokenized rails reduces friction without requiring a wholesale replacement of the banking system. Local on/off-ramps coexist with mature AML/KYC policies, while a global push toward tokenization (including ledger-based initiatives by incumbent networks and banks) narrows the gap between new and legacy rails. In short, the opportunity isn’t ideological—it’s economic and operational. Where transactions used to clear at T+2/T+5, closing in minutes or hours is now feasible, with better cash visibility, more predictable costs, and fewer cross-border acquiring failures.

Use case 1. Mexican exporter: collect USD “near-instant” and choose when to convert

Use case 2. Regional marketplace: settle thousands of sellers in 24 hours with risk controls

Use case 3. Global B2B SaaS: cross-border collections with far lower operating cost

From the stage to your operation: adopting without unnecessary friction

Start with a risk and compliance assessment to define permitted countries, counterparties, and AML/KYC procedures. In parallel, finance sets a conversion policy with exposure limits and sell windows—for example, keeping a portion of balances in USD-pegged assets for international purchases and converting the rest to MXN under clear price/liquidity rules. Rail and asset selection should prioritize liquidity (USDC/USDT) and networks that deliver the most consistent cost and time performance for your corridors. 

The right partner—with enterprise-grade custody and local on/off-ramps—makes the difference by mapping on-chain metadata into your ERP/accounting so every transaction is recorded with the correct hash and closing is straightforward. With that foundation, run a 90-day pilot: pick one or two critical flows (e.g., U.S. receivables or regional supplier payouts), set clear KPIs (DSO, cost per payment, % T+0, operational incidents), and a minimal risk matrix (counterparty, operational, liquidity). At the end, decide whether to scale by volume (more invoices/payouts), by corridor (new countries), or by product line, keeping the same compliance framework.

CFO/Compliance FAQs

Volatility risk? Stablecoins are designed to track fiat; manage exposure with conversion rules and position limits.
 What about banks? This isn’t an isolated island: tokenized rails are integrating with traditional finance and coexist with local transfers and SWIFT.
 Regulation and transparency? The trend points to clearer rules, stronger reserve reporting, and more rigorous vendor due diligence.

If your company runs international collections or payouts, stablecoins already function as an operational lever: they speed up timelines, cut costs, and improve traceability. The Stablecoin Conference in Mexico City made it clear the regional ecosystem—regulators, infrastructure, and enterprise users—is ready to move from theory to measurable deployment. The responsible next step is to pilot, measure, and scale.