Stablecoins are now an increasingly present financial tool in the operations of companies that operate globally. They move trillions of dollars per year in supplier payments, working capital, remittances, and international sales settlement.
By combining the predictability of fiat currencies with the efficiency of digital networks, stablecoins offer a new way to move value across borders, more integrated into financial operations, less dependent on intermediaries, and aligned with the global dynamics of business.
From settlement time to continuous operations, explore the key advantages of this technology
Companies operating internationally face recurring challenges: uncertainty in settlement, operational complexity, FX exposure, and dependence on fragmented banking infrastructure. Stablecoins emerge as an alternative to reduce these frictions and increase control over global payments.
Among the main benefits are:
More Predictable Settlement: Stablecoins allow greater control over when a payment actually occurs. Instead of relying on banking windows and multiple intermediaries, companies can operate with increased financial predictability and less uncertainty around timelines.
Reduced Operational Friction: Direct transfers between participants simplify international flows, reducing manual steps, complex reconciliations, and dependence on banking structures across different jurisdictions.
FX Predictability: Stablecoins pegged to strong currencies allow companies to negotiate, receive, and hold balances without immediate conversion. This helps businesses—especially in volatile markets—protect margins and reduce exposure to currency risk.
Continuous Global Operations (24/7): Payments no longer depend on banking hours. This expands the ability to meet international deadlines, respond to urgent events, and coordinate operations across time zones.
A New Layer of Financial Infrastructure: More than a new payment method, stablecoins function as a complementary layer of financial infrastructure, expanding the options available to companies operating globally.
How Stablecoins Change the Dynamics of International Payments
Traditional international payments rely on multiple institutions, batch processing, and restricted operational windows. This model introduces delays, indirect costs, and operational complexity.
Stablecoins operate on continuous networks and enable direct transfers between participants. This changes the settlement dynamic: funds arrive ready for use, with less dependence on intermediaries and greater control over transaction timing.
This shift is not theoretical. In 2025, global transaction volume using stablecoins surpassed $33 trillion, reflecting significant growth and consolidating these assets as a relevant layer of global financial settlement.
In practice, companies gain greater predictability in cash flow and more autonomy over critical payments.
Operational Impact: Cost, Speed, and Working Capital
Reducing intermediaries tends to impact processing costs, especially in recurring or high-volume flows. While traditional international remittances still carry global average costs around 6%, stablecoin-based payments often operate with significantly lower fees.
In addition, more direct settlement reduces funds in transit. Traditional cross-border payments can take one to five business days to clear, whereas stablecoins enable settlement in minutes, reducing locked-up capital and improving working capital cycles.
For suppliers, this can mean faster release of goods; for buyers, lower counterparty risk and greater predictability in contract execution.
When value movement becomes more predictable, companies can plan cash, payments, and reconciliation with less friction.
How Companies Use Stablecoins in International Payments
Stablecoins are already used in various corporate flows, especially where cross-border payments are recurring or mission-critical.
Key use cases include:
Payments to international suppliers
Hiring and paying global freelancers
Export settlement
Receiving international sales revenue
Transfers between subsidiaries
Treasury management in strong currencies
B2B settlement in global marketplaces
These use cases benefit from greater predictability, lower friction, and improved integration with financial systems.
The Impact for Brazilian Companies
For companies in Brazil, stablecoins help address structural challenges in international payments, including:
Dependence on slow and costly international wire transfers
Limited access to foreign bank accounts
Exposure to BRL volatility
FX bureaucracy in recurring operations
Complexity for SMEs operating globally
Integration with local infrastructure, such as BRL–USD conversion mechanisms, makes these flows operationally viable.
As a result, stablecoins have gained relevance in international operations involving Brazilian companies, especially in technology, services, and foreign trade.
Stablecoins introduce a new way to move value globally, integrated and aligned with the digital operations of modern companies.
For Brazilian businesses, this represents the opportunity to reduce friction, improve cash flow, and operate internationally with greater control.
How Lumx Can Help
As stablecoins become integrated into corporate flows, companies need infrastructure that enables them to operate securely, compliantly, and in connection with existing systems.
Lumx develops infrastructure that allows companies to orchestrate international payments with stablecoins, manage conversions, integrate financial flows, and operate within regulated environments.
This includes APIs for onboarding, transfers, settlement, and reconciliation, allowing stablecoins to function as part of the financial operation, rather than as a parallel process.
