B2B Stablecoin Settlement Requires Compliance Infrastructure to Realize Cost Savings

Institutions can retain more economics currently lost to payment frictions by using stablecoins to compress settlement times to minutes and reduce intermediaries. This is a shift from traditional B2B payment rails that require 2–5 days to settle and incur multiple intermediary fees on each transaction. The potential for these gains exists within the $120T+ B2B payments market. However, compliance, authorization, and reconciliation requirements prevent the realization of these revenue gains. Institutions must verify counterparties, confirm pre-settlement authorization, and transmit invoice data with funds to avoid regulatory blocks and operational overhead. Notabene Flow provides infrastructure to address these compliance and reconciliation gaps. This demand for compliance-centric transaction tooling increases as U.S. regulatory frameworks for payment stablecoins solidify. The shift follows proposed rulemaking by the FDIC to implement the GENIUS Act and a related Treasury proposal.