FX markets run 24/5. Banking doesn't. I help FX brokers build payment infrastructure that matches market hours—traditional rails and stablecoin settlement where it makes sense.
These aren't problems I'm guessing at. They're what I hear from CFOs and treasury teams across the FX brokerage space. The specific impact depends on your structure—your jurisdictions, your LP relationships, your client mix. But the friction points are consistent.
That wire you sent Friday? Still sitting in a correspondent bank until Tuesday. Meanwhile, positions need covering and margin calls don't wait for SWIFT.
The brokers who survived 2020-2022 de-risking weren't those with the best single banking relationship. They were the ones with three adequate ones. Finding and maintaining those relationships gets harder every year.
You're classified as high-risk. That's structural, not negotiable. The question is whether you're optimizing within that constraint or accepting default pricing.
Serving European clients means EUR, GBP, CHF, and a dozen other currencies across SEPA and non-SEPA rails. The problem isn't conversion rates—it's operational overhead across jurisdictions, counterparties, and banking relationships.
Your traders expect instant. That expectation flows upstream: traders pressure brokers, brokers pressure platforms, platforms pressure LPs. Payment speed isn't back-office anymore.
Fifteen years in institutional payments—traditional rails, correspondent banking, and now stablecoin settlement infrastructure. Independent advisor. I recommend what fits your flows, not what I'm paid to sell.
You understand margin calls, LP settlements, and multi-entity treasury. I understand how to move money faster and cheaper across borders. The combination is where we find operational alpha.
I've spent my career in the infrastructure layer of cross-border payments. The last three years, I've focused on where stablecoin rails solve real problems for high-volume, time-sensitive operations. FX brokers face payment friction that most industries don't—24/5 markets, banking hours that don't match, and correspondent chains that add days to settlements that need to happen now.
Dollar-denominated payment instruments operating on modern settlement rails—not investment vehicles, not speculative instruments. B2B settlement infrastructure increasingly used by institutional treasury operations, including FX prime brokers and LPs. 24/7 operation with settlement finality in minutes, not days.
Settlement happens when you need it. Weekends, holidays, 3am margin calls. The rails don't close. No correspondent intermediaries means direct counterparty settlement—each bank in a correspondent chain adds time, cost, and failure points. Stablecoin rails eliminate the chain.
Different segments face different payment realities. We understand the nuances of each.
Tier 1 Global Brokers
Inter-company treasury transfers without correspondent delays. Faster LP settlement for margin efficiency.
Tier 2 Regional Brokers
Diversified settlement infrastructure reduces single-bank dependency. Faster client payouts as competitive differentiator.
Tier 3 Emerging Market Brokers
Settlement capability where correspondent banking is limited. Reduced dependency on unstable banking relationships.
Prop Trading Firms
Faster payout processing across jurisdictions. Reduced per-transaction costs on high-volume flows.
White Label Providers
Settlement infrastructure that scales across client base. Reduced support burden from payment delays.
Liquidity Providers
24/7 settlement capability for margin calls. Faster counterparty settlement reducing credit exposure windows.