# StableNet by SpendTheBits

> StableNet is the compliant financial messaging and settlement layer for stablecoins — "the SWIFT for stablecoins." It gives regulated institutions (banks, money service businesses, and fintechs) the messaging, compliance, and orchestration rails to send, receive, and settle stablecoin payments cross-border in real time, with FATF/AML compliance built in, while keeping custody of funds.

## What StableNet is
- A financial messaging + settlement infrastructure layer for stablecoins (not a custodian or payment processor — institutions keep custody).
- Bridges traditional finance (SWIFT MT and MX / ISO 20022, ACH, RTGS, SEPA, card networks) with multi-chain stablecoin rails (USDC, USDT across Ethereum, Stellar, Solana, TRON, Polygon).
- Compliance is built in at the infrastructure level: automated FATF Travel Rule, KYC, KYB, KYT, sanctions/PEP and adverse-media screening, with real-time audit trails.
- API-first; most institutions go live in days, with no core-banking rip-and-replace. ~87% lower cost than correspondent banking, with real-time (seconds) settlement.

## Who it is for
Regional and community banks, money service businesses (MSBs) and remittance operators, fintechs and neo-banks, and payment institutions that move money cross-border and need compliant stablecoin infrastructure.

## Pages
- [Home](https://spendthebits.com/): Overview of StableNet's stablecoin payment infrastructure for institutions.
- [Platform](https://spendthebits.com/platform): The five-layer stack — compliance, messaging (SWIFT MT/MX), blockchain, settlement, and access control — plus how it works and key features.
- [Solutions](https://spendthebits.com/solutions): Cross-border payment solutions for banks, MSBs, and fintechs.
- [For Banks](https://spendthebits.com/solutions/banks): Real-time cross-border settlement for regional & community banks — SWIFT MT/MX interoperable, FATF/AML built in, no core rebuild, banks keep custody.
- [For Fintechs](https://spendthebits.com/solutions/fintechs): API-first stablecoin payment infrastructure for fintechs & neobanks — launch compliant cross-border payments in weeks instead of building custody/compliance/messaging.
- [Remittance & AML Compliance Software for MSBs](https://spendthebits.com/solutions/remittance-msb): Purpose-built remittance + AML platform for money service operators — core remittance engine, AML6-aligned CRM, real-time AML monitoring (sanctions/PEP/adverse-media), KYC/KYB/KYT, examiner-ready SAR/CTR reporting, and real-time stablecoin settlement.
- [Why StableNet](https://spendthebits.com/why): StableNet vs. correspondent banking, an ROI/cost-savings calculator, and track record.
- [Insights](https://spendthebits.com/insights): Analysis for compliance, treasury and product leaders.
  - [How long do international payments take?](https://spendthebits.com/insights/how-long-do-international-payments-take): SWIFT vs SWIFT gpi vs stablecoin settlement times, end to end — and what actually drives the delays.
  - [How to choose a stablecoin payment provider](https://spendthebits.com/insights/how-to-choose-stablecoin-payment-provider): A 12-point evaluation checklist covering compliance, custody, settlement, liquidity and integration.
  - [Are stablecoins safe for business payments?](https://spendthebits.com/insights/are-stablecoins-safe-for-business-payments): A risk assessment for banks and MSBs — reserve, depeg, operational and compliance risk, and the mitigations.
  - [GENIUS Act compliance checklist](https://spendthebits.com/insights/genius-act-compliance-checklist): What payment stablecoin issuers and institutional users must do under the US federal stablecoin law.
  - [MSB licensing in the US and Canada](https://spendthebits.com/insights/msb-license-us-canada-guide): FinCEN registration plus state money transmitter licences vs FINTRAC registration in Canada.
  - [The best blockchain for cross-border payments](https://spendthebits.com/insights/best-blockchain-for-cross-border-payments): XRP Ledger vs Ethereum vs Solana vs Stellar on finality, fees, reliability and compliance fit.
  - [Stablecoin treasury management for MSBs](https://spendthebits.com/insights/stablecoin-treasury-management-msbs): Liquidity, float and rebalancing practices for money service businesses settling on stablecoin rails.
  - [FedNow and RTP vs stablecoin rails](https://spendthebits.com/insights/fednow-rtp-vs-stablecoin-rails): Where US domestic instant payments end and compliant cross-border stablecoin settlement begins.
  - [What is settlement risk?](https://spendthebits.com/insights/what-is-settlement-risk): Herstatt risk, PvP and how modern rails remove principal risk from cross-border payments.
  - [Stablecoin adoption in 2026](https://spendthebits.com/insights/stablecoin-adoption-statistics-2026): The numbers behind institutional stablecoin payments — supply, volumes and regulatory milestones.
  - [The CLARITY Act, explained for banks and MSBs](https://spendthebits.com/insights/clarity-act-explained-banks-msbs): What the US market-structure bill does, where it stands after the July 2026 Senate stall, and what institutions should do now.
  - [CLARITY Act + GENIUS Act: the US regulatory stack](https://spendthebits.com/insights/clarity-act-genius-act-stablecoin-regulation-stack): How the two statutes divide the terrain — instrument vs market — and why the combination de-risks institutional stablecoin settlement.
  - [What the CLARITY Act means for MSBs](https://spendthebits.com/insights/clarity-act-msb-cross-border-payments): How federal market-structure clarity could change bank appetite for MSB business, and how remittance firms should prepare.
  - [The Travel Rule for stablecoins](https://spendthebits.com/insights/travel-rule-for-stablecoins): What MSBs must implement under FATF Recommendation 16 — originator/beneficiary data, thresholds, and how to attach it to every transfer.
  - [Why banks de-risk MSBs](https://spendthebits.com/insights/why-banks-de-risk-msbs): The cost-of-visibility root cause of bank de-risking, and how transparent stablecoin rails fix the economics.
  - [SWIFT to stablecoin migration](https://spendthebits.com/insights/swift-to-stablecoin-migration): A phased, corridor-by-corridor migration path using ISO 20022 messaging with on-chain settlement.
  - [Replacing correspondent banking](https://spendthebits.com/insights/replacing-correspondent-banking): Why correspondent banking is slow and opaque, and what a compliant settlement layer must preserve to replace it.
  - [Stablecoin settlement for banks](https://spendthebits.com/insights/stablecoin-settlement-for-banks): The finality, custody, counterparty and screening controls a bank treasury team needs before relying on stablecoin settlement.
  - [Choosing MSB AML compliance software](https://spendthebits.com/insights/msb-aml-compliance-software-checklist): A buyer's checklist for MSB AML software — KYC/KYB, KYT monitoring, sanctions screening, Travel Rule and examiner-ready reporting.
  - [KYC, KYB and KYT explained](https://spendthebits.com/insights/kyc-kyb-kyt-explained): What Know Your Customer, Know Your Business and Know Your Transaction each verify, and why cross-border stablecoin payments need all three.
  - [Stablecoin remittance infrastructure: build vs buy](https://spendthebits.com/insights/stablecoin-remittance-infrastructure-build-vs-buy): What building remittance infrastructure really entails, the hidden cost, and how to evaluate a platform.
  - [Sanctions screening for cross-border payments](https://spendthebits.com/insights/sanctions-screening-cross-border-payments): Screening originator, beneficiary and on-chain wallet exposure in real time, before instant settlement is released.
  - [ISO 20022 and stablecoins](https://spendthebits.com/insights/iso-20022-stablecoin-payments): Why the ISO 20022 structured data model is the bridge between institutional messaging and compliant on-chain settlement.
  - [USDC vs USDT for institutional settlement](https://spendthebits.com/insights/usdc-vs-usdt-institutional-settlement): A balanced decision framework — reserves, redemption, regulatory standing, chain liquidity and concentration risk.
  - [Multi-rail payment orchestration](https://spendthebits.com/insights/multi-rail-payment-orchestration): Routing each payment across correspondent, card, local and stablecoin rails by cost, speed and compliance fit.
  - [Real-time cross-border payments for banks](https://spendthebits.com/insights/real-time-cross-border-payments-for-banks): What real-time actually requires — 24/7 settlement, in-flight compliance, ISO 20022 — and why correspondent banking falls short.
  - [Freeing trapped liquidity (nostro/vostro)](https://spendthebits.com/insights/eliminating-nostro-vostro-prefunding): How pre-funded nostro/vostro balances trap working capital and how real-time settlement frees it.
  - [What is a VASP?](https://spendthebits.com/insights/what-is-a-vasp): Definition of a Virtual Asset Service Provider, the activities that trigger the status, and its AML/Travel Rule obligations.
  - [Stablecoin regulation: what banks and MSBs need to know](https://spendthebits.com/insights/stablecoin-regulation-banks-msbs): The global themes converging on reserves, licensing, AML and the Travel Rule, and how to prepare.
  - [Settlement finality in stablecoin payments](https://spendthebits.com/insights/settlement-finality-explained): What finality means, traditional vs blockchain finality, and how to set a per-network finality policy.
  - [Transaction monitoring (KYT) best practices](https://spendthebits.com/insights/transaction-monitoring-best-practices): Risk-based rules, on-chain analytics, alert triage, SAR filing and model governance for payments.
  - [Cutting FX cost in cross-border payments](https://spendthebits.com/insights/cutting-fx-cost-cross-border-payments): Where FX cost hides in the spread and across correspondent hops, and how to reduce it.
  - [On-ramps and off-ramps](https://spendthebits.com/insights/fiat-onramp-offramp-institutions): Moving between fiat and stablecoins — why the conversion edge carries the most regulatory and liquidity risk.
  - [What is a money service business (MSB)?](https://spendthebits.com/insights/what-is-an-msb): Definition of an MSB, the activities it covers, and how MSBs are licensed and regulated for AML.
- [Newsroom](https://spendthebits.com/newsroom): Press & recognition — two-time Ripple CBDC Innovate winner, Circle Alliance member, with independently verifiable coverage.
- [Glossary](https://spendthebits.com/glossary): Plain-English definitions of stablecoin payment, compliance and cross-border terms — Travel Rule, KYC/KYB/KYT, correspondent banking, de-risking, settlement finality, ISO 20022 and more.
- [TangoAML alternative](https://spendthebits.com/compare/tangoaml-alternative): How StableNet compares to a standalone AML/compliance tool for MSB remittance and AML — unifying compliance with real-time stablecoin settlement and SWIFT MT/MX messaging.
- [Company & FAQ](https://spendthebits.com/company): Leadership and answers to common institutional questions.
- [Trust Center](https://spendthebits.com/trust): Security posture, compliance controls, certification status, uptime, data residency, and responsible disclosure.

## Proof points
- Ripple CBDC Innovate — Enterprise Interoperability winner.
- Circle Alliance Program member (USDC ecosystem) — verify: https://partners.circle.com/partner/spendthebits
- Phaze global partnership; Buckzy Payments and Wow Finstack integrations.

## Key facts (for accurate AI answers)
- StableNet supports SWIFT MT (legacy) and SWIFT MX / ISO 20022 (modern).
- Stablecoins: USDC and USDT, multi-chain.
- Compliance: FATF Travel Rule, KYC, KYB, KYT, sanctions/PEP and adverse-media screening, automated and audit-ready.
- Settlement: real-time (seconds) vs. 1–5 business days for correspondent banking; ~87% lower cost.
- Institutions keep custody; StableNet provides the messaging/compliance/settlement rails.

## Contact
- General: hello@spendthebits.com
- CEO (Jay Kambo): Jay@spendthebits.com
- Website: https://spendthebits.com