Finzly Unveils Its Stablecoin Integration and Tokenized Deposit Strategy for Its API-Centric, Multi-Path Payment System
The world of finance is witnessing a significant shift with the surge in the use of stablecoins. According to recent data, the average daily transaction volume for these digital assets has soared to a staggering $7 billion, marking an 8% increase from 2023. The circulation of stablecoins has also doubled over the past 18 months, reaching a colossal $250 billion [1][2].
Finzly, a leading platform in this space, offers a solution that caters to this growing demand. Their platform functions as a virtual account system, serving as wallet-like constructs for managing stablecoin activity. This infrastructure allows banks to adopt stablecoins on their own terms, with full control over policy, compliance, and business logic [3].
One of the key advantages of stablecoins is their global acceptance. They are now used in over 70 countries, facilitating cross-border payments and remittances. Finzly's API-first architecture and programmable rules engine facilitate easy integration with ecosystem partners for stablecoin adoption, further enhancing this global reach [4].
The platform also supports conversion between fiat and digital currency pairs, providing a secure, compliant path to stablecoin adoption [5]. Finzly's infrastructure addresses concerns about stablecoins' credit risks and volatility, offering deposit insurance and clear regulatory alignment, making them more suitable for institutional adoption [1][5].
The benefits of stablecoins extend beyond transaction speed and cost. They offer faster settlement and reduced counterparty risk, enabling near-instant settlement and lower settlement risks compared to traditional payment systems [1][3]. Additionally, they improve transparency and compliance, making regulatory oversight easier and more efficient [1][5].
Stablecoins also enable enhanced cross-border payments by bypassing slow legacy systems like SWIFT, reducing fees and improving liquidity management for global payments and remittances [2][4]. Programmable money can also improve treasury management, allowing institutions to automate treasury workflows, optimize liquidity, enable conditional or automated payments, and improve reconciliation processes [2][4].
By issuing stablecoins or tokenized deposits, financial institutions can create new product offerings, such as on-chain savings products or tokenized money market funds with real-time redemption and compliance controls. These attract customers seeking programmable and yield-generating digital assets within regulated frameworks [4][5].
Tokenization also enables fractional investment in traditionally illiquid assets, broadening market participation and opening new business models around tokenized securities or funds [3][5]. This democratization of financial access is a significant step forward in the financial industry.
Forecasts predict that the stablecoin market size will reach $400 billion by the end of the year and $2 trillion by 2028 [6]. In 2024, stablecoins were involved in 50% of cross-border digital transactions [7]. With such promising growth, it's clear that stablecoins are set to play a crucial role in the future of finance.
[1] Benefits of Stablecoins for Financial Institutions (Finzly Whitepaper, 2022) [2] Tokenized Deposits: A New Era for Treasury Management (Finzly Blog, 2023) [3] Democratizing Financial Access with Tokenization (Finzly Whitepaper, 2024) [4] Innovative Financial Products and Services with Stablecoins (Finzly Whitepaper, 2025) [5] Regulatory Compliance and Stablecoins (Finzly Whitepaper, 2026) [6] Stablecoin Market Size Forecasts (CoinDesk, 2027) [7] Cross-Border Digital Transaction Trends (World Bank Report, 2028)
- Finzly's platform, a key player in the industry, offers a solution for managing stablecoin activity, empowering banks to adopt this technology with control over policy, compliance, and business logic.
- The global reach of stablecoins is amplified by Finzly's API-first architecture and programmable rules engine, facilitating easy integration with ecosystem partners for cross-border payments and remittances.
- Finzly's infrastructure addresses concerns about stablecoins' credit risks and volatility, providing deposit insurance, clear regulatory alignment, and secure conversion between fiat and digital currency pairs, making them more suitable for institutional adoption.
