Fedwire sleeps on weekends. Your institutional clients don't. A small, prefunded stablecoin sleeve keeps their weekend flow inside your bank.
Fedwire · CLS
Bank stablecoin sleeve
The number
$0.0B
settled in USDC on one April 2026 weekend, outside banks
The problem
$0.0T
settled daily by CLS, closed on weekends
0%
of FX turnover settled without PvP
0+
earliest Fedwire 22×6
Client converts $100M of wholesale deposits into your stablecoin.
Post margin, swap collateral, settle at whitelisted venues.
Unused balances sweep back to deposits automatically.
A deposit on Friday and a deposit on Monday.
Unit economics · $500B bank, $5B peak sleeve
Sleeve design: remove one and it breaks
Capped
Hard size limit
Backed
Cash, reserves, short Treasuries
Fixed
Friday to Monday only
Known
Continuous holder ID, real-time LCR
No yield
Per GENIUS §4(a)(11)
The window
18 mo
Window to move
5 yrs
Default shifts
10–15 yrs
24/7 central bank money
Fedwire sleeps on weekends. Your clients don't.
Tempo brings
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