The stablecoin orchestration layer

The orchestration layer

Last week, a logistics founder walked us through his payment operations, which include SWIFT transfers taking 3-7 days, correspondent banking fees eating into 5%+ margins, FX rates changing between quote and settlement, and everything being tracked in a single spreadsheet ledger. The efficient market hypothesis may be true in certain markets, but nowhere is this less obvious than in cross-border B2B payments.

This is the reality of cross-border B2B payments in 2025. It's also why the entire sector is about to migrate onchain in the coming years. Here's what everyone gets wrong about this shift: businesses don't need to learn blockchain or manage crypto wallets. They need their existing workflows to work better. At Infinite, we're building on-chain rails that present as familiar banking interfaces. Same wire transfer screen, but it settles in 30 seconds. Same ACH workflow, but 90% cheaper. Same international transfer process, but instant instead of days.

Stablecoins are networks

Most people misunderstand stablecoins. They're not about replacing dollars—they're about replacing SWIFT, correspondent banking, and a payment system that hasn't evolved since 1973.

The numbers tell the story:

• $27.6 trillion in stablecoin volume (2024) – exceeding Visa and Mastercard combined
• B2B overtook P2P in mid-2024—SpaceX, JPMorgan, and Walmart are now paying vendors with stablecoins
• 99.9% time compression: NYC to Singapore in 30 seconds vs 3-5 days
• 90% cost reduction: $50 vs $5,000 for a $1M transfer

Here's what actually matters: stablecoins enable instant, 24/7, programmable value transfer at near-zero cost. When SpaceX, JPMorgan, and Walmart start using stablecoins for vendor payments, you know we've crossed the chasm.

And the physics are compelling – let’s take a look at moving $1 million from New York to Singapore:

• With traditional rails: 3-5 days, $5,000 in fees, multiple intermediaries. 
• With stablecoin rails: 30 seconds, $50 in fees, direct settlement. 

Time is the denominator, and stablecoins compress settlement time by 99.9%.

The orchestration problem

Using stablecoins today is like using the internet before browsers. Businesses must juggle 20+ blockchains, manage wallets, coordinate compliance across jurisdictions, optimize gas fees, and handle liquidity—all while running their actual business.

That's why we built Infinite as an orchestration layer. Think of it as a compiler for money movement:

• Input: "Pay this invoice in Brazil by tomorrow with a fixed spread above spot"
• Output: Automated multi-chain/multi-currency routing, compliance, FX conversion that can happen onchain or traditional banking routes, and settlement
• Outcome: “Bank or stablecoin payout in Brazil in local currency or stablecoin by EOD”

Traditional processors are single-rail systems. We orchestrate the entire "stablecoin sandwich"—fiat to stablecoin, cross-chain movement, stablecoin back to fiat—with real-time liquidity management and intelligent routing.

But here's the problem we saw: using stablecoins today is like using the internet in 1995. You need to manage wallets across 20+ blockchains, handle compliance across jurisdictions, coordinate between on-ramps and off-ramps, optimize for gas fees, and manage liquidity providers. It's a full-time job just to move money.

This is where our orchestration approach becomes critical. We're not just processing payments – we're abstracting away the entire complexity stack. Think of our platform as a compiler for money movement. You write high-level instructions ("pay this invoice in Brazil"), and we handle the multi-chain routing, compliance orchestration, FX conversion, and settlement finality.

Our technical architecture matters. Traditional payment processors are single-rail systems. Our orchestration platform manages what we call the "stablecoin sandwich" – fiat to stablecoin, cross-chain movement, stablecoin back to fiat. This requires real-time liquidity management across chains, intelligent routing algorithms, and robust error handling for multi-leg transactions. It's the difference between a payment API and a payment operating system.

The builder's advantage

We built financial services at scale and have lived these problems at scale. When I was at Coinbase, I led platform expansion to support 90% of crypto market cap by volume. Our cofounder & CTO, Raj Lad, built global stablecoin payment systems handling millions in daily volume at Sardine.

Our API design reflects this. Integration takes hours or days, not months. No blockchain knowledge required. Compliance is embedded, not bolted on. We've hidden the complexity without hiding the capability. This is how you build developer tools that are a delight to integrate and maintain.

The timing is perfect. Stripe just paid $1.1 billion for Bridge, validating our orchestration thesis. Regulatory frameworks like MiCA in Europe and the GENIUS Act in the US are providing clarity. Enterprise adoption hit an inflection point – 71% of Latin American businesses already use stablecoins for cross-border payments.

A new primitive for global commerce

We've been thinking about stablecoins as a new primitive – like TCP/IP for value transfer. But primitives alone don't create revolutions. You need the application layer. The web needed browsers. Email needed SMTP. Stablecoins need orchestration.

We're building this application layer at Infinite. Not just moving money, but making it programmable. Imagine purchase orders that self-execute on delivery confirmation. Supply chain financing that adjusts in real-time based on shipment location. Treasury management that optimizes yield across global subsidiaries automatically.

The network effects here are powerful. Every business that joins our network makes it more valuable for others. Every on-ramp we add increases global reach. Every compliance integration reduces friction. It's the same playbook that built the internet, applied to money.

Where this goes

Fast forward five years. We believe every B2B payment will touch stablecoin rails, whether businesses know it or not. Just like every phone call today uses packet switching, but nobody thinks about IP addresses when they dial, and businesses don’t have to manage domain registrars and certificate authorities directly.

The winners will be platforms that hide complexity while preserving capability – think what Cloudflare did for networking. That makes the new thing feel like the old thing, just better. That focuses on solving real business problems, not pushing ideological agendas about the future of money.

That's our approach at Infinite. We're not trying to convince treasurers to become crypto believers. We're just offering a way to pay suppliers instantly at 90% less cost. The technology is just a means to an end.

Slow and expensive is broken

The global financial system moves $150 trillion annually through systems designed for paper checks and telex machines. We've been patching and upgrading for 50 years, but the foundation remains the same. Stablecoin orchestration isn't an iteration – it's a rewrite.

The interesting question isn't whether this transition will happen – it's how fast, and who captures the value. We understand that infrastructure revolutions happen gradually, then suddenly. That's why we’re building the first stablecoin orchestration layer that:

• Can be embedded into existing products and services through a turnkey SDK
• Orchestrates payments, compliance, and accounting workflows through native integrations
• Adapts to mid-market and large enterprise B2B payment and treasury workflow requirements

If you're building in fintech, you should be thinking about your stablecoin strategy. If you're running a business with international payments, let's talk. The orchestration layer is here and it’s time to build on top of it.

Ready to cut payment costs by 90%? If you're a merchant or run a marketplace with international payments, let's talk. Contact us at sales@infinite.dev or sign up today.