stablecoins and payments

Stablecoin Payroll: Replacing SWIFT with Sub-Second Settlement

Introduction: Diagnosing the Systemic Failure of Global Payments

Consider a logistics supplier in Ohio, its cash flow choked by unpaid invoices, now struggling to meet its bi-weekly payroll. Simultaneously, a talented designer in Buenos Aires receives her salary, only to watch its value dissolve against a backdrop of 200% inflation before the funds even settle. These are not isolated incidents; they are symptoms of a deep, structural failure in the world's financial plumbing.

For decades, global commerce has run on an architecture of analog, debt-based credit systems: a patchwork of correspondent banks, delayed settlements, and opaque fee structures. This legacy infrastructure, designed for a pre-internet world, is now straining under the weight of a truly global, always-on economy. But underneath this dysfunction, a new financial architecture is already processing over $50 trillion annually—and cutting cross-border payment costs by up to 98%.

What follows is the operational blueprint:

Using Stablecoins Makes the Fed Your Bank

By Ben Marsh of Sei Labs Summary In the 20th century, the U.S. exported inflation and crises through trade, oil, and Treasury markets. In the 21st, it exports them through code. The rise of dollar backed stablecoins means that the same monetary system which prices U.S. mortgages, equities,

What Is a Stablecoin and How Does It Work in 2025?

Stablecoins are the bridge between crypto speed and fiat stability. This guide explains how they maintain their $1.00 peg, the difference between fiat-backed (USDC) and crypto-backed (DAI) models, and how the GENIUS Act and MiCA are reshaping the landscape for safer digital payments in 2025.

Revenue Sharing is Equilibrium: Why Stablecoins Will (and Should) Pass Through Yield

By Ben Marsh - Sei Labs Research for Sei Research Initiative Abstract Stablecoin issuers sit on a predictable carry stream from user float. That gravy train is ending, on Ethereum alone using our model nearly $5bn a year could, and should, be redistributed away from the issuer. With more than

Introduction: Diagnosing the Systemic Failure of Global Payments

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