Building a Global Crypto Treasury on OpenPayd’s Stablecoin Infrastructure

The new era of corporate treasury

Global treasury management has historically relied on traditional banking rails. Whilst these rails are established and well known, they can have slow settlement times or be costly. Especially because, in the past 5 years, digital assets and blockchain networks have redefined what’s possible: instant settlement, programmable liquidity and 24/7 access to global capital flows.

Yet for most enterprises, that vision has felt out of reach. The missing piece? A reliable, regulated infrastructure layer that connects stablecoins and fiat currencies in one place.

That’s exactly what OpenPayd has built.

Why stablecoins are transforming treasury operations

Stablecoins are digital tokens pegged to fiat currencies like the US dollar or the euro. They combine the stability of traditional money with the speed and transparency of blockchain networks. In corporate finance, this means treasurers can move liquidity globally in minutes, not days.

Adoption has been slower across different use cases, with some businesses cautious about:

• On/off-ramp friction: moving between fiat and digital assets, as many of the offered options require multiple intermediaries.
• Regulatory uncertainty: varying rules across jurisdictions limit scale depending on the licensing and compliance capabilities of the chosen provider.
• Limited integration: integrating multiple platforms can make it difficult for blockchain-based funds to interact with existing treasury systems.

OpenPayd’s stablecoin infrastructure directly addresses each of these barriers.

OpenPayd’s stablecoin infrastructure: one network for fiat and digital money

OpenPayd enables businesses to move and manage both fiat and digital assets through one platform, unifying global financial rails. Our API-based infrastructure connects local and international fiat payment networks (including Faster Payments, SEPA Instant and SWIFT) with blockchain rails for major stablecoins such as USDC, RLUSD and USDT.

Through a single integration, enterprises can have access to:

• Named virtual IBANs across 40+ currencies.
• Multi-asset wallets that support stablecoins and fiat side-by-side.
• Programmable API controls for treasury, payments and settlement.
• Real-time FX and digital asset conversion at competitive rates.

The result: full control of global liquidity from one dashboard or via automation.

From fiat to blockchain and back again

A global crypto treasury is only as strong as its connectivity to fiat markets. OpenPayd’s solution delivers both on- and off-ramps through its regulated financial network.

Here’s how a typical flow works:

1. Fund your account in EUR, GBP or USD through traditional payment rails.
2. Convert to a stablecoin such as USDC or RLUSD instantly via API or portal.
3. Distribute liquidity across blockchain networks to counterparties, suppliers or liquidity pools.
4. Redeem or reallocate funds back into fiat at any time, all within the same account.

Each transaction is safeguarded through regulated partners and audited reserves. There’s no need to maintain separate crypto wallets or manage fragmented providers. This means that businesses can go live with stablecoin capabilities in weeks, not months, through a single API integration.

OpenPayd partnerships that are powering the ecosystem

Our approach is built on collaboration with leading infrastructure providers, ensuring clients access liquidity and compliance at scale.

Circle: global fiat–stablecoin bridge

In June 2025, we partnered with Circle, issuer of USDC, to create a unified fiat and stablecoin infrastructure layer. The integration allows seamless conversion between fiat currencies and USDC, lowering settlement costs and improving access to liquidity for global businesses.

Circle’s regulated stablecoin framework complements OpenPayd’s multi-rail connectivity, helping enterprises embed stablecoin payments and treasury operations directly into their platforms.

Ripple: enterprise-grade stablecoin connectivity

A month later, we announced a partnership with Ripple, enabling direct minting and burning of RLUSD, Ripple’s USD-denominated stablecoin. Through this integration, businesses can seamlessly move between RLUSD and fiat, backed by OpenPayd’s payment rails and virtual IBAN infrastructure.

The combined platform delivers compliant, high-speed cross-border treasury flows and access to U.S. dollar liquidity on demand.

Building a crypto treasury: how it works

A crypto treasury extends traditional cash management into the digital asset space. On OpenPayd, it functions as an integrated ecosystem:

1. Account setup: Businesses receive a pooled account supporting over 40 fiat currencies.
2. Asset management: Funds can be held across EUR, GBP, USD, USDC, RLUSD, BTC and more in one place.
3. Instant settlement: Transfers between assets or rails occur in real time through OpenPayd’s programmable API.
4. Automated reconciliation: Each incoming and outgoing payment can be matched automatically via linked vIBANs, simplifying treasury workflows.
5. Compliance by design: Funds are safeguarded with authorised banking partners, ensuring segregation and regulatory protection.

This unified environment replaces the fragmented approach of multiple wallets, exchanges and correspondent banks.

Advantages of OpenPayd’s stablecoin infrastructure for global businesses

OpenPayd’s stablecoin infrastructure unlocks tangible benefits for enterprises managing money across jurisdictions and currencies:

• Real-time liquidity: Funds settle instantly, improving working capital efficiency.
• Lower operational costs: Single API integration reduces the need for multiple providers.
• FX flexibility: Multi-currency quoting enables optimal conversions across dozens of fiat currencies.
• Regulated environment: Client funds are safeguarded under global licensing frameworks.
• Scalability: We already handle €130 billion+ in annualised transaction volume across 180 countries.
• Future readiness: Native support for both fiat and blockchain rails enables a smooth transition to digital money.

In other words, we transform treasury from a static cost centre into a dynamic liquidity engine.

Stablecoin use cases across industries

Financial institutions

Banks, brokerages and fintechs can deploy embedded stablecoin wallets for faster settlement between partners and liquidity venues, without building blockchain infrastructure themselves.

Digital asset firms

Exchanges, trading desks and token issuers use OpenPayd to manage fiat inflows and outflows while maintaining on-chain balances for client operations.

Platforms and marketplaces

Global platforms operating in multiple currencies can leverage instant FX and cross-border settlement, offering stablecoin payments to users in new regions.

iGaming and CFD trading

Sectors dependent on rapid fund movement benefit from instant withdrawals and deposits, with full transaction traceability and compliance oversight.

Safeguarding and compliance at scale

Trust is fundamental to financial infrastructure. We operate under a network of licences across the UK, Malta, France, the EEA and Canada.

All client funds, fiat and digital, are fully segregated and held with authorised banking partners. Stablecoin operations are conducted in line with evolving FCA frameworks, ensuring transparency and auditability.

For corporate treasuries, this means they can adopt digital asset functionality without compromising on governance or security.

Multi-asset money management in practice

Our platform enables treasury teams to:

• Hold balances across EUR, GBP, USD, USDC, RLUSD,BTC and more.
• Execute FX conversions or stablecoin trades instantly via API, through the platform or OTC desk.
• Set automated sweeps to consolidate liquidity across subsidiaries.
• Use programmable rules to trigger settlements or fund rebalancing.

This multi-asset orchestration delivers visibility and control across all treasury activities, fiat and digital, in one ledger.

The road ahead: from digital assets to universal money movement

Stablecoins are not just a crypto trend; they are the bridge between today’s financial system and tomorrow’s programmable economy.

To learn how your organisation can build a global crypto treasury powered by stablecoins, book a demo or explore our API documentation to get started.