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"Stablecoin 2026"

A New B2B Payments Rail Shakes Up the Status Quo

For most B2B finance leaders, the story of crypto has been easy to ignore. But stablecoin is emerging as not just the crypto for B2B payments, but as a new rail unto itself.

Why now? For starters, it’s impossible to ignore the stubborn reality of cross-border payments. In 2026, it can still take three to five days for money to move between major markets, and even longer for more exotic corridors. And payers remain essentially blind to where their funds are in transit. Stablecoin reaches where other currencies don’t.

The core problem, as Bottomline's Head of Corporate Solutions Product Management Colin Swain explained in a recent interview, is conceptual as much as technical. Payment stacks still run on decades-old cores. When treasurers “send” money via Swift, Bacs, ACH, CHAPS, or their local equivalents, they are not actually moving value in real time; they are sending an “I owe you” message. It then takes a few days and a web of correspondent banks and central banks to reconcile those IOUs.

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