For Bank Payments TeamsReport · Banking

Stablecoin Payments from Your Existing Channels

Start with outgoing payments. Customers pay from their fiat balance, you settle in seconds from a prefunded pool, and earn FX margin and fees.

CustomerFiat balance

BankScreen · FX

PoolPrefunded wallet

Tempo~$0.001 · <1s

PayeeAny country

The number

>$0B

real stablecoin payment volume last year, nearly 60% B2B

The problem

Crypto-natives are capturing the demand

Customers want cheap, instant, always-on
Businesses don't want a separate crypto account
Crypto-native firms are taking the flow
Minting per payment causes delays

~0%

of stablecoin payment volume is B2B

specialist partners to launch

What Becomes Possible

Familiar UX

Pay from the existing fiat balance, in the existing app.

Instant settlement

A prefunded omnibus wallet, your ledger tracks ownership.

Two revenue lines

FX margin and payment fees, like cross-border today.

Multi-currency

EUR, CHF and BRL stablecoins for treasury customers.

Side by Side

All-in cost per transfer: ~10–30 bpsViaTypical

OnrampIssuer / onramp5–15 bps

Pool liquidityPrefunded pool~2–5 bps

FXIn-house~0

CustodyCoinbase, BitGo~50 bps/yr

TransferTempo~$0.001

The Playbook

Expansion ladder

Outgoing payouts

Collections to dedicated addresses

Multi-currency treasury

Five specialist partners

Pairs, spreads, cut-offs

Issuer

Fees, limits, chains, reserves

Custody

Model, insurance, policy controls

AML

Coverage, false positives, latency

Travel Rule

IVMS101, network reach

The pitch01 / 05

Start with outgoing stablecoin payments

Tempo brings

~$0.001 transfers Stablecoin-paid fees Payment lanes Tempo Advisory

Source reportLaunching Stablecoin Payment Products

More pitches

CFOs Bank treasury Banks Bank payments Fintechs FMIs