Stablecoins: the trillion-dollar opportunity

Insights from the Keyrock-Bitso Business report—and how your business can lead the next wave of cross-border payments

Stablecoins are poised to handle US $1 trillion in global payment volume by 2028. Learn how Bitso Business, a unified payments API, turns on-chain FX into 24/7 treasury management for Latin America cross-border payments.

Keyrock’s landmark study, “Stablecoin Payments: The Trillion-Dollar Opportunity,” highlights how stablecoins and DeFi rails are reshaping international payments. Bitso Business features prominently as the payments infrastructure that brings these innovations to companies operating across Latin America. In short, the report argues that stablecoins offer a faster, cheaper, and more transparent payment system than today’s bank accounts, credit-card networks, or traditional banking transfer corridors.

Moving money across borders still involves multiple intermediaries—correspondent banks, card schemes, and FX brokers—each adding delay, transaction fees, and opaque exchange rates. Central banks have begun exploring digital alternatives, yet most legacy rails settle in T+2 and require costly pre-funding in local currencies. For corporates in financial services, e-commerce, and marketplaces, these frictions translate into stranded capital and higher operational risk.

Stablecoins + DeFi: the new backbone of global payment flows

Stablecoins run on public blockchain technology and settle peer-to-peer in seconds. Capital locked in digital wallets can rotate up to 11 times per month via DeFi lending pools, unlocking yield without compromising liquidity. In parallel, on-chain FX allows atomic swaps that hedge multi-currency exposure instantly, reducing reliance on slow, off-exchange banking transfer cycles. According to Keyrock, annual cross border transactions in stablecoins will surpass US $1 trillion by 2028, capturing 12 % of all international payments by 2030.

As stablecoin issuers park reserves in Treasury bills, central banks may see shifts in demand for short-term government debt, nudging them to adapt monetary-policy tools. For businesses, the upside is immediate access to low-risk, dollar-denominated yield—no matter where the company is incorporated. Smart contracts (contratos inteligentes) automate settlement, compliance, and reporting, further trimming the payment process.

Bitso Business solutions

Bitso Business turns theory into practice by giving enterprises a single payments API that bridges fiat currency and stablecoins across Mexico, Brazil, Colombia, Argentina, and the United States. Companies can receive local-currency pay-ins, convert to USD-backed stablecoins through on-chain FX, and disburse payouts globally—24/7, without the need to prefund multiple bank accounts.

Because Bitso Business operates under licenses such as Mexico’s IFPE and Brazil’s Instituição de Pagamentos, compliance with KYC/AML rules is embedded. Finance teams gain near-real-time reconciliation, lower transaction fees, and, most importantly, the working-capital freedom that comes from 24/7 treasury management.

Use cases that already work:

• Money transmitters: Cut idle float by settling remittances through stablecoins and local banking rails like SPEI* or PIX, reducing costs by up to 80 %.
• PSPs & marketplaces: Streamline the payment process with a unified ledger for global payment inflows and outflows, minimizing FX slippage.

iGaming & betting: Handle volume spikes with instant stablecoin payouts and meet tight compliance windows in multiple jurisdictions.

Your 2025 playbook

1. Audit your payment infrastructure. Quantify how much capital sits idle in prefunded accounts and evaluate stablecoins as a replacement to reduce costs.
2. Adopt hybrid rails. Pair local banking transfer systems with on-chain FX for the cross-border leg.
3. Prioritize regulation. Work with providers that hold local licenses to safeguard international payments from unexpected freezes.
4. Measure ROI. Track savings on transaction fees and improvements in capital efficiency as stablecoins replace legacy payment solutions.

Download the full Keyrock report and contact Bitso Business to see how you can transform your cross-border payments strategy—bringing instant settlement, transparent exchange rates, and a tangible boost to your bottom line.

*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.