01
Treasury management
See the position and plan the funding.
- Treasury AI - intelligence and decision support
- Observed bank and stablecoin positions
- Liquidity forecasts and stress scenarios
- Allocation suggestions for customer review
STM ORCHESTRATION
Digital currency.
Connected to your operations.
Integrate stablecoin payments into the way your business manages money - with the controls, visibility and reconciliation your teams need.
Discuss your use caseSTM CAPABILITIES
Four capabilities.
One coordinated operating model.
Bring treasury visibility, controls, evidence and enterprise connectivity together alongside the systems you already use.
ONE CONNECTED PLATFORMSTM
OrchestrationShared information.
Coordinated controls.
OrchestrationShared information.
Coordinated controls.
02
Compliance & controls
Bring policy into the payment workflow.
- Beneficiary, funds and route checks
- Signatory mandates and dual approval
- Exposure controls and traceable records
03
Netting & reconciliation
Connect obligations to payment evidence.
- Bilateral and multilateral netting proposals
- Customer-controlled external settlement
- Evidence matching and exception handling
04
Integration & connectivity
Work alongside enterprise systems.
- APIs and webhook-based workflows
- ISO 20022 statement evidence
- Murex MX.3 and Canton sandbox examples
Your enterprise systemsSTM OrchestrationYour banks & custodians
Capabilities depend on configuration and provider connectivity. Live screening depends on external services; production integrations are scoped per engagement. Your organisation retains accounts, custody and execution.
THE BUSINESS ADVANTAGE
Bring real-time possibilities
into your financial workflow.
Stablecoin Treasury Management - STM - connects the processes around bank and stablecoin payments. It gives teams a consistent way to ask: should this payment go, by which route, did it go, and does the evidence agree?
24/7 digital movement
Supported on-chain transfers can operate outside bank processing windows. STM coordinates the checks and records around your chosen route.
Faster access to digital funds
Recipients that accept and use the stablecoin can receive digital funds without waiting for a conventional bank-credit window.
Responsive liquidity
Coordinate transfers closer to funding needs. Forecasts, available balances and netting help teams assess how much needs to move.
A clearer cash position
Combine bank and digital-currency observations with source and as-of information. Investigate differences instead of relying on disconnected status reports.
A view of total cost
Assess intermediary, FX, conversion, custody, network and payout costs. Savings depend on the complete route, not simply its on-chain fee.
A programmable foundation
Continuous digital-currency rails can support system-driven workflows, with checks, approval and execution responsibilities clearly assigned.
Availability and timing depend on the supported stablecoin, network, counterparties and any conversion or bank payout involved.
HOW IT WORKS
One instruction. An accountable journey.
- 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.
Your funds. Your authority. Your organisation and its chosen banks and custodians retain the accounts, keys and execution. STM coordinates, observes and reconciles.
AN ILLUSTRATIVE WORKFLOW
Friday evening.
The obligation is still real.
A group treasury needs to fund an overseas entity after the local banking cut-off. The receiving entity can accept and use the selected stablecoin.
STM checks the instruction and observed funds. Authorised people approve. The customer’s custodian executes the on-chain transfer, and STM observes the result and reconciles the evidence.
If the recipient needs local fiat, conversion and final bank credit form a further leg, with their own provider availability and timing.
YOUR SYSTEMS, CONNECTED
A layer beside the systems you use.
Banking & enterprise systems
Payment instructions, treasury obligations, authorised people.
Controls & intelligence
Checks, records, observed positions and independent reconciliation.
Banks, custodians & rails
Customer-controlled signing, execution and settlement evidence.
Connect with purpose. APIs, webhooks and ISO 20022 statement evidence support integration into existing workflows.
Explore through a scoped demonstration. Murex MX.3 and Canton examples are available in sandbox; production connectivity is assessed for each engagement.
A CLOSER LOOK
Questions worth asking.
How does this relate to SWIFT?
SWIFT carries financial messages. A traditional correspondent-banking journey also depends on the banks involved, their operating hours, funding arrangements and local processing. Stablecoin rails offer an additional path for eligible transfers. STM helps coordinate both types of workflow; the route depends on the payment and counterparties.
Is every payment instant and available 24/7?
Supported on-chain networks can operate continuously. End-to-end availability also depends on the stablecoin, counterparties, controls and any conversion or bank payout. On-chain completion and final fiat credit are separate events.
Who holds and moves the money?
Your organisation and its appointed banks, custodians and execution providers do. STM does not hold funds or wallet keys, issue stablecoins, or execute payments. Authorised customer signatories can use supported STM approval workflows.
Does STM remove the need to pre-fund accounts?
Funding requirements depend on the route and provider. More responsive transfers and netting can help teams use liquidity more efficiently, but they do not automatically remove prefunding requirements.
How current is the position data?
Positions carry source and observation-time information. Freshness depends on the bank feed, chain observer or provider. STM distinguishes observed positions from expected movements.
How do we begin?
Start with one payment or treasury workflow. We can scope the counterparties, currency, custody, route, approval model and evidence needed for a useful demonstration.
THE NEXT CONVERSATION
Let’s put real-time finance
to work for you.
Start with a workflow. Explore what changes with STM.