Signal
Replace traditional wire transfers with instant stablecoin settlement. Operate 24/7/365 instead of banking hours only, settle in minutes instead of next-day, and save $25-50 per transaction on wire fees.
This concept leverages the following programmable controls to create a secure, compliant payment flow.
Validate sender and recipient accounts
Two-factor authentication before transfer
Confirm sender/receiver identity
OFAC + sanctions screening
Instant on-chain transfer
A regional bank customer needs to send $50,000 to close on a property at 8pm on Saturday. Traditional wires are unavailable until Monday morning, risking the deal.
The bank processes the transfer right away. Funds move through stablecoin rails, settle in minutes, and reach the recipient before midnight. The deal holds and the customer stays.
Deal closed on time. The $35 wire fee saved. The customer retained.
Offer members instant, 24/7 transfers without the limitations of Fedwire cutoff times or weekend closures.
Build instant payment features that compete with traditional wire services at a fraction of the cost.
Enable real-time cash positioning and intercompany transfers without banking hour restrictions.
Add instant settlement capabilities to existing payment rails for merchants and partners.