Stablecoin payment volume hit an estimated $390 billion on an annualized basis in 2025, and the fastest-growing slice of that pie is business-to-business payments. A Swiss-licensed over-the-counter desk called FinchTrade is quietly powering much of that shift, offering payment service providers and exchanges in emerging markets a way to settle cross-border transactions in about 30 minutes — around the clock, even on weekends.
The B2B stablecoin surge
B2B payments using stablecoins are accelerating, especially in corridors like intra-APAC, Latin America, and the Middle East and Africa. Traditional correspondent banking can take two to five days and eat up 3% to 7% in fees. Stablecoin-based settlement via OTC desks slashes that to hours at a fraction of a percent. For a Brazilian payment processor, converting reais to USDC, sending it across borders, and converting back to local currency now happens in hours — not days.
How FinchTrade works
FinchTrade's defining feature is margin-based settlement. Clients post just a fraction of their trading limit, trades clear in under an hour, and working capital stays in the client's account. That's a big deal for payment businesses that need liquidity to keep running. The desk settles in roughly 30 minutes, 24/7, cutting reconciliation overhead and FX exposure. It's a far cry from the manual, time-zone-bound processes banks still rely on.
Faster than banking, but not alone
FinchTrade isn't the only player in this space, but its Swiss license and focus on emerging-market corridors give it a specific niche. The broader trend is clear: payment infrastructure adoption of crypto is growing faster than asset-management allocation. That means different infrastructure — local-currency support for naira, real, peso, and others — is becoming a must-have, not a nice-to-have.
Regulatory tailwinds
Regulators are starting to catch up. Jurisdictions like the UAE, through VARA, and Singapore, through MAS, are building frameworks that support institutional crypto-fiat infrastructure. That matters for OTC desks like FinchTrade because clearer rules reduce the friction for banks and payment firms to use stablecoins as a settlement layer. The question now is how fast other regulators follow.
For now, the numbers speak for themselves. $390 billion in annualized stablecoin payment volume, with B2B as the growth engine. FinchTrade's next move — expanding currency pairs or adding new corridors — will tell us how far this infrastructure can reach.
