5 real stablecoin use cases for enterprises in LATAM

The Stablecoin Conference LatAm turned Mexico City’s WTC into the region’s hub for on-chain payments and finance. The event brought together 1,800+ attendees from 40+ countries, 100+ speakers, and 25+ panels covering payments, enterprise adoption, regulation and financial inclusion. We sent a clear signal: stablecoins are no longer an “experiment”; they are payments infrastructure with immediate applications for treasury, receivables, and cross-border payables.

Among the speakers were Lizzette Pérez (Executive Editor at Computer Weekly Mexico & LatAm), Maggie Wu (CEO & Co-Founder, VelaFi – formerly TruBit), Teymour Farman-Farmaian (CEO & Co-Founder, HiGlobe), Omid Scheybani (VP of Partnerships, Conduit), and Jan Heinvirta (Country Manager, Mexico at Reap), who took part in one of the headline panels: “Local and international payments: The role of stablecoins in empowering communities.” Building on that discussion, here are five proven use cases for companies in the region, with practical pointers for implementation.

1) Payouts to contractors and global talent

• Pain today: T+2/T+3 delays, stacked fees, complex reconciliation.
• With stablecoins: near-instant 24/7 transfers; local conversion when recipients need it (MXN, BRL, COP); on-chain audit trail.
• Metrics to track: time to funds vs. wire, total cost per transaction, support tickets caused by delays.
• Why now: traditional and crypto-native players are closing the gap between on-chain rails and merchant/local rails (e.g., cards and acquiring).
  
  

2) International receivables in USD with local conversion

• Pain today: offshore accounts, KYC/FX friction, limited processing windows.
• With stablecoins: collect USD on-chain and convert into local currency with regional liquidity, improving DSO and cash flow.
• Operational must-haves: reconciliation via on-chain reference, conversion policy (intraday vs. end-of-day), limits and risk alerts.
• External context: consultancies highlight cross-border receivables/payables as one of the highest-ROI stablecoin use cases.

3) Supplier payments (B2B) and cross-border marketplaces

• Pain today: multiple intermediaries, uncertain FX, opaque status.
• With stablecoins: faster settlement, fewer intermediaries, clear payment status (hash/ID), fewer chargebacks for sellers.
• Best practices: country-level SLAs and a claims playbook supported by on-chain evidence.
• Trend: the CDMX discussion emphasized the shift from “if” to “how”: integration with processors/banks and use cases delivering ROI today.

4) Multi-currency treasury and 24/7 liquidity management

• Pain today: bank-hour windows, interbank FX friction, costs to move cash across entities/countries.
• With stablecoins: a liquidity bridge to balance accounts across jurisdictions; ability to convert during favorable price windows.
• Governance & risk: counterparty/wallet limits, fund segregation, conversion and custody policies.
• Regulatory note: bodies such as BIS/CPMI recommend assessing governance, interoperability, and compliance in stablecoin arrangements.

5) B2B remittances and benefits programs

• Pain today: high end-to-end cost and friction for periodic payments to subsidiaries or small suppliers.
• With stablecoins: lower end-to-end cost and near-instant liquidity at destination; useful for recurring payments and micro-payouts.
• Academic finding: recent literature examines remittance adoption and the role of digital/financial literacy in sustained usage.

Compliance and risk

The 24/7 payments opportunity that stablecoins enable also raises the bar on controls. The stablecoin market cap is around USD 290 billion, and G20 supervisors warn of “significant gaps” in cross-country regulatory implementation—leaving companies exposed to regulatory-arbitrage risk unless they design consistent policies per corridor. The BIS stresses that applying “same risk, same regulation” alone is insufficient; a stablecoin-specific approach is needed, especially around governance, backing, and redemption mechanisms.

Operationally, always-on rails require continuous monitoring: weekends already move billions of dollars per day on-chain, so KYC/KYB, sanctions screening, and alerting must run 24/7, not just during banking hours. And while illicit volume is a small share of total activity, 2025 reports show ~USD 2.2B in stolen funds (+21% YoY) and the use of stablecoins by sanctioned actors—making stronger sanctions filters and end-to-end traceability, from payment origin to local cash-out, non-negotiable.

Why this matters for LATAM

Latin America combines need and scale. In 2024, Mexico set a record USD 64.745B in remittances, with an average ticket of USD 393 and 99.1% of operations via electronic transfer—a strong base to further digitize corporate cross-border collections and payments. Globally, the average cost to send remittances was 6.49% in Q1-2025, and 6.17% in Latin America & the Caribbean; even digital channels average 4.85%. In other words, there is ample room to compete on cost and speed by using on-chain rails plus local integration. Meanwhile, stablecoin flows operate 24/7 and show multi-billion-dollar weekend volumes, while the market grows and the region faces a modest macro outlook (2.4% growth in 2025). Treasury and payments teams are therefore pushed to seek measurable efficiencies in liquidity, reconciliation, and FX.

Where to start?

First 30 days. Begin with a quantitative baseline: total cost per transaction (fee + FX spread), time to liquidity (minutes vs. T+1/T+2), and reconciliation error rate per corridor (e.g., US→MX). With those numbers, define a conversion policy (intraday vs. end-of-day) and minimum controls for KYC/KYB, sanctions screening, and 24/7 monitoring. Choose a contained use case (e.g., US→MX payouts) and run a PoC against your baseline. Use public references such as global digital averages (4.85%) and regional benchmarks to size potential savings and set internal thresholds.

Days 31–60. Integrate the API for pay-ins and pay-outs, map each on-chain hash to an accounting reference, and automate reconciliation into your ERP. Test overnight and weekend windows, where activity doesn’t stop, and tune dynamic limits by counterparty. Document custody and redemption responsibilities in line with governance best practices recommended by international bodies for stablecoin schemes.

Days 61–90. Scale to two or three additional corridors and set time-to-liquidity SLAs per country. Add periodic audits of monitoring and compliance reporting. In parallel, prepare your 2026 plan aligned with the G20 cross-border payments targets, which aim to reduce costs toward 3% and improve speed and transparency—goals that a well-governed on-chain architecture can help achieve, especially when combined with robust local on/off-ramps.

This guide helps you standardize 24/7 compliance (KYC/KYB, monitoring, custody) and integrate via API into ERP/accounting without rebuilding your operation. With these inputs, you can define KPIs (total cost per transaction, time to liquidity, reconciliation errors, recipient NPS), run a controlled pilot, and scale by corridor with clear SLAs.

Want to see these use cases in your operation? Contact our team to model cost/time savings, design controls, and deploy a unified payments architecture powered by stablecoins with local conversion.

*NVIO Mexico enables direct access to SPEI and provides payment services in full compliance with Mexican regulations. NVIO Pagos México, S.A.P.I. de C.V., IFPE (“NVIO Mexico”), is an entity authorized and regulated by Mexico’s National Banking and Securities Commission (CNBV). Learn more at nvio.mx/terms.