---
title: "Off-Hours Cash: The settlement gap banks can own by adopting stablecoins"
description: "A commercial case for stablecoin settlement by banks, written for bank treasurers, ALM leads, and transaction banking heads."
path: "/report/off-hours-cash/"
label: "Banking"
image: "/cards/report-off-hours-cash.webp"
---

A commercial case for stablecoin settlement by banks, written for bank treasurers, ALM leads, and transaction banking heads.

**For:** Bank treasurers, ALM leads, and transaction banking heads

## A bank-owned path into weekend settlement

The report models a tightly sized, prefunded, KYC'd stablecoin sleeve backed by wholesale deposits and automatically swept back to deposit form on Monday morning.

- Why wholesale deposits change the stablecoin P&L
- Where closed settlement windows create client demand
- How a 48-hour sleeve can clear break-even at 1.4-1.6 bps
- Why Tempo fits as a neutral cash-leg orchestration layer

## Key metrics

- **$260B** — Annualized sleeve flow in the worked illustration
- **$38M** — Total annual cost under the conservative case
- **48 hrs** — Transactional liquidity window from Friday to Monday

## Read the report

- [Report landing page](/report/off-hours-cash)
- [Download the PDF](/reports/off-hours-cash-the-settlement-gap-banks-can-own.pdf)
- [Open the reader](/report/off-hours-cash/print)