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For regional & community banks

Cross-border settlement for banks — in seconds, without correspondent costs

StableNet lets regional and community banks settle cross-border payments in real time over stablecoin rails, while keeping custody, existing SWIFT messaging and full compliance. Replace the cost and delay of correspondent banking without rebuilding your core.

The cross-border problem for banks

  • Correspondent banking adds days of settlement lag, layered fees and opaque FX spreads on every cross-border payment.
  • Nostro/vostro pre-funding traps working capital in accounts around the world that earn little and complicate treasury.
  • Supervising cross-border and MSB flows is costly, pushing many banks to de-risk and exit profitable segments.
  • Fintechs are winning cross-border payment revenue that banks are structurally too slow to defend.
How StableNet helps

Real-time settlement, with finality controls

Settle cross-border in seconds over stablecoin rails, with a per-network finality policy your risk and treasury teams define and govern.

Keeps your SWIFT messaging — no core rebuild

StableNet speaks SWIFT MT and MX (ISO 20022), so structured payment data flows through systems you already run. Go live in days, API-first, no rip-and-replace.

Compliance built into settlement

FATF Travel Rule, KYC, KYB, KYT and sanctions, PEP and adverse-media screening complete before value is released, with examiner-ready audit trails.

Free trapped liquidity

Move value on demand instead of pre-funding nostro balances across every currency and corridor — releasing working capital back to the business.

Institution-grade controls

Maker-checker approvals, role-based access, limits and a single audit trail across message and settlement — the governance a bank already applies to every payment.

StableNet is built on recognised infrastructure — SpendTheBits is a two-time Ripple CBDC Innovate winner and a Circle Alliance member. See the proof →

FAQ

regional & community banks — common questions

No. SWIFT carries the message; stablecoins carry the settlement. StableNet speaks SWIFT MT and MX (ISO 20022) so you keep your messaging spine and simply add faster settlement underneath.