BankingMarkdown
Off-Hours Cash: The settlement gap banks can own by adopting stablecoins
A commercial case for stablecoin settlement by banks, written for bank treasurers, ALM leads, and transaction banking heads.
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
- Download the PDF
- Open the reader