Bank-led payments
Coordinate corporate payment instructions across eligible banking and stablecoin routes.
BANKING & FINANCIAL SERVICES
New rails.
The controls your business needs.
Bring stablecoin-enabled payments, treasury and liquidity into your banking workflows.
Discuss your use caseWHY IT MATTERS
Extend the window for money movement.
Corporate clients and treasury teams work across currencies, entities and time zones. Conventional cross-border journeys can be constrained by settlement windows, funding arrangements and intermediary handoffs.
Stablecoins provide an additional route for eligible cross-border and intercompany flows. STM connects those flows to checks, approvals and independent evidence, while the institution retains its customer relationships and execution arrangements.
AN ILLUSTRATIVE WORKFLOW
A corporate payment, from request to evidence.
A bank receives an instruction from a corporate client. STM checks the beneficiary, observed funds and route options. The bank’s authorised people approve and its payment hub or custodian executes. STM records progress, reads statement or chain evidence, and matches the result to the original instruction.
- 01STM
Check
Check the instruction, beneficiary and observed funds. Compare eligible routes.
- 02YOUR ORGANISATION
Approve
Authorised people approve within your policy and signatory mandates.
- 03YOUR BANK / CUSTODIAN
Execute
Your chosen provider signs and moves the funds. You retain custody and execution.
- 04STM
Observe
Read bank notifications and chain evidence. Track the result against the instruction.
- 05STM
Reconcile
Match the evidence. Surface differences for investigation and resolution.
WHERE STM CONTRIBUTES
Connect the functions to the workflow.
Treasury across entities
Understand available and projected positions with entity-level access and signatory mandates.
Netting obligations
Calculate offsets and present settlement proposals for participant acceptance and external execution.
TREASURY & CASH MANAGEMENT
See the need.
Plan the response.
Use observed positions, shortfall forecasts and exposure views to inform funding choices. Assess liquidity needs before approving a movement, and investigate reconciliation breaks with the underlying evidence.
The objective is a more consistent operating process: clearer funding decisions, fewer disconnected checks and accountable exception handling.
Explore Treasury AIYour funds. Your authority. Your organisation and its chosen banks and custodians retain the accounts, keys and execution. STM coordinates, observes and reconciles.
Capital-markets workflows can also be explored through an MX.3 sandbox demonstration. Production integration and route availability are scoped for each engagement.
Explore the STM platformTHE NEXT CONVERSATION
Let’s put real-time finance
to work for you.
Start with a workflow. Explore what changes with STM.