The Case for Stablecoin Settlement

Traditional Settlement is Broken

• Slow: 3-5 business days for international wires
• Expensive: $25-50 per transaction in correspondent banking fees
• Opaque: Unclear FX rates and intermediary charges

Stablecoins Change the Game

USDC and USDT enable:

• T+0 Settlement: Minutes instead of days
• Low Cost: <$1 per transaction
• Transparency: On-chain visibility
• 24/7 Operations: No banking hours

Who Benefits?

• Marketplaces paying out globally
• Exporters dealing with emerging markets
• Gaming platforms with instant payouts
• Remittance providers

ZenPays Approach

We offer dual-rail settlement: merchants can receive USD via traditional banking OR stablecoins, based on preference.

Best of both worlds.