Network effects and adoption

Stablecoins, like messaging apps, benefit from network effects. Their utility grows exponentially with adoption. In just six years, stablecoin supply has surged from near zero to $250 billion, with forecasts of $2 trillion by 2028. Real-world stablecoin payments meanwhile have grown from half a billion in 2020 to $7.4 trillion in the last 12 months (source: Visa). 

Recent developments, such as Circle's IPO and the launch of stablecoins by major financial institutions like JPMorgan and Fiserv, underscore this momentum. We believe we're moving toward a world where a large majority of global money will exist in the form of stablecoins.

Real-world applications

‍At BVNK, we’re supporting hundreds of businesses to move money globally with stablecoins, processing $15B+ annually. Our infrastructure is solving diverse problems.

In the last few months alone, we've:

• Collaborated with global PSP dLocal to unlock capital in emerging markets. 
• Worked with fintech Highnote to enable out-of-hours funding for U.S. card programs.
• Helped LianLian Global to speed up cross-border payments for their merchants. 
• Teamed up with Deel and Worldpay to meet demand from contractors, sellers and consumers globally to get paid in stablecoins.
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These examples demonstrate how businesses across sectors are using stablecoin technology to address longstanding issues in global finance, such as slow settlement times in emerging markets, limited global reach, lack of dollar access, liquidity constraints and capital efficiency.

Solid regulatory foundations ‍

None of this would be possible without the guardrails set by regulators. The EU's MiCA framework and the U.S. GENIUS Act are providing the necessary guidelines, bringing serious players into the space.

At BVNK, we've built our global infrastructure with regulatory compliance at the centre, securing licenses for crypto and fiat in multiple jurisdictions. We're continuing to expand our reach with our Singapore license application in progress and full US nationwide licensing expected this year.

Our technology core

At the heart of our operations is Layer1, our proprietary infrastructure built for stablecoin payments at scale. Layer1 serves as the connective tissue for the global stablecoin ecosystem, enabling seamless orchestration of cross-border flows, intelligent routing and efficient treasury operations. 

It automates complex processes like gas fee management and transaction monitoring, saving time and resources. This technology not only powers BVNK's operations but is also available to our clients who want to bring their stablecoin payment operations inhouse, enabling them to navigate the ecosystem with confidence.

Our vision‍

Looking ahead over the next decade, we anticipate several key trends:

1. Stablecoin orchestration becomes critical, with growing demand for infrastructure to manage stablecoin flows and seamless conversion between stablecoins and fiat.
2. Traditional fiat systems remain important but shift in role, primarily used to move money in and out of the on-chain financial system.
3. Enterprise customers seek more control, managing their own stablecoin operations to capture more value.
4. Cards continue to play a key role in consumers payments but will increasingly be linked to stablecoin balances.

To address these trends, we're building a stablecoin-native financial stack. This stack enables  enterprises, PSPs, and their customers to send instant payouts, receive pay-ins, store funds, convert between currencies, earn yield, and spend globally – all powered by stablecoins.
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We're making this accessible through two delivery models:

1. Managed payments: For businesses that want to enable stablecoin payments fast, without handling crypto. They leverage BVNK’s custody, liquidity & licensing via our Portal, API or Embedded offering.
2. Self-managed payments: Our Layer1 infrastructure-as-a-service for those seeking scale and control. Connect your own licences, custodian and liquidity partners.

Looking forward

Stablecoins are becoming foundational to a new generation of financial products, enabling businesses and consumers to move value, earn, save, and spend globally.

At BVNK, we're building robust, compliant infrastructure that adapts to the changing needs of the global financial system. Our modular ecosystem supports a wide range of use cases for fintech and PSP partners, as well as global enterprises.

While industry challenges remain, particularly around interoperability, these also present opportunities for innovation. We're committed to turning these trends into tangible benefits, providing the tools and infrastructure our partners need to thrive in this new financial landscape.

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