Cross-border stablecoin payments for enterprises
Send and receive global payments in minutes using stablecoins, with lower costs, instant settlement, verified counterparties, and built-in compliance.
Annual TPV processed on the network
Avg. Number of connections per counterparty
Transactions with straight-through processing
Avg. Number In stablecoin transactions
Every cross-border payment authorised before it settles
Every stablecoin cross-border payment on Notabene Flow is authorised before it settles — counterparty verified, context structured, and compliance confirmed before funds move. Across 260+ regulated institutions in 100+ countries, payments arrive in minutes with the data needed to reconcile them
Infrastructure for compliant cross-border stablecoin payments
Notabene Flow provides infrastructure for compliant cross-border stablecoin payments, where every transaction is verified, enriched with required data, and authorised before settlement.
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Built for global payments
Move funds across borders without the delays and costs of correspondent banking chains.
Open and interoperable
Connect wallets, payment providers, custodians, and banks across multiple stablecoins and blockchain networks.
Compliance by default
Travel Rule checks and counterparty verification are embedded into every transaction.
Instant settlement
Cross-border payments settle in minutes, improving cash flow and predictability.
How cross-border stablecoin payments work
Flow orchestrates cross-border payments by combining stablecoin settlement, compliance checks, and payment routing into a single infrastructure layer.
01
A payment is initiated — invoice reference, amount, currency, and counterparty details are captured.
02
Compliance checks run — Travel Rule screening, sanctions, and counterparty verification complete before any funds move.
03
A payment is initiated — invoice reference, amount, currency, and counterparty details are captured.
04
A payment is initiated — invoice reference, amount, currency, and counterparty details are captured.
Built for real-world payment flows
Accept international payments
Pull Payments
Receive payments from customers and partners globally using stablecoins, with instant settlement and automated reconciliation.
Send global payouts
Push Payments
Pay suppliers, partners, and teams across borders in minutes using stablecoin infrastructure.
Automate cross-border payments
Recurring Payments
Run subscriptions, payroll, and supplier payments across jurisdictions using programmable payment flows.
Who uses stablecoin cross-border payments
Fintechs and payment service providers
Offer faster and cheaper cross-border payments to customers without relying on legacy banking infrastructure.
Enterprises
Pay global suppliers, partners, and teams with instant settlement and lower transaction costs.
Wallet providers and custodians
Enable compliant cross-border payment flows directly within wallet and custody infrastructure.
On/off ramps and liquidity providers
Support seamless conversion between fiat and stablecoins for international payment flows.
Built on an open protocol governed by community and code
Notabene Flow is built on TAP—the open protocol for transaction authorization. It evolves through open contribution, enabling interoperable, programmable financial workflows across wallets, issuers, and platforms.
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No lock-in. No gatekeepers. Just open infrastructure.
Built on an open-loop network, Notabene Flow coordinates stablecoin payments with maximum flexibility.
No partner lock-in
You own the customer relationship
Works on any chain or with any digital asset
Frequently asked questions
What are stablecoin cross-border payments and how do they work?
Stablecoin cross-border payments use blockchain-based digital currencies pegged to fiat, such as USDC, to transfer value internationally. A payment is initiated, routed through a network, checked for compliance, and settled on-chain, often within minutes instead of days.
What are the benefits of using stablecoins for cross-border payments?
Stablecoin payments reduce settlement times from days to minutes, lower transaction costs, remove intermediary banks, and improve cash flow visibility. They also enable programmable payment flows and real-time reconciliation.
What are the challenges of stablecoin cross-border payments?
Key challenges include regulatory uncertainty, liquidity management, custody and key management, and integration with existing financial systems. These can be addressed through infrastructure that embeds compliance and connects fiat and stablecoin rails.
What regulations apply to stablecoin cross-border payments?
Stablecoin payments are subject to regulations such as the Travel Rule, anti-money laundering requirements, and counterparty verification standards. Businesses must ensure that transactions are screened and compliant before settlement.
How can organisations integrate stablecoins into existing payment workflows?
Businesses can integrate stablecoin payments through APIs and infrastructure providers that handle payment orchestration, compliance checks, settlement, and optional fiat conversion, without requiring deep blockchain expertise.
Which stablecoins and blockchain networks are used for cross-border payments?
Commonly used stablecoins include USDC and USDT, operating on networks such as Ethereum, Solana, and other high-throughput blockchains that support fast and cost-efficient transactions.
How much do stablecoin cross-border payments cost compared to traditional methods?
Traditional cross-border payments often cost between 2% and 4% per transaction, plus FX fees and intermediary charges. Stablecoin payments can reduce costs significantly, often to below 1%, depending on infrastructure and network fees.
What are real-world use cases of stablecoin cross-border b2b payments?
Use cases include supplier payments, global payroll, treasury management, remittances, and merchant settlements. Businesses use stablecoins to improve speed, reduce costs, and simplify international payment operations.
How do stablecoins maintain their value in cross-border transactions?
Stablecoins are typically backed by reserves such as fiat currency or short-term government assets, allowing them to maintain a stable value relative to a currency like the US dollar.
What is the future of stablecoin cross-border payments?
Stablecoin adoption is increasing as businesses seek faster and more efficient global payment systems. As regulation becomes clearer and infrastructure improves, stablecoins are expected to play a larger role in enterprise payment operations.