How Crypto Exchanges use StraitsX to Streamline Fiat & Stablecoin Treasury Operations

The fiat bottleneck for crypto exchanges

For global crypto exchanges, accessing reliable fiat infrastructure is often a complex process. Traditional financial institutions tend to be cautious, especially in jurisdictions with evolving regulatory standards, making onboarding or account access a lengthy and uncertain process. Many platforms rely on unnamed or shared omnibus accounts, making it difficult to trace funds, perform reconciliation or meet compliance requirements.

Handling stablecoin redemptions presents additional operational challenges. Without a unified system, fiat deposits and redemptions are processed separately, which introduces risk, delays and manual overhead. The absence of COBO (collect-on-behalf-of) and POBO (pay-on-behalf-of) support also means that institutions lack the legal structuring required to manage client funds safely and compliantly.

Global exchanges need a better way to move between fiat and stablecoins; a solution that is programmable, compliant and compatible with its existing systems.

Purpose-built infrastructure for institutional scale

StraitsX provides Dedicated Virtual Accounts (DVA/+) to institutions that require transparent and compliant access to fiat. DVA+ enhances onboarding, adds programmable fund flows, and delivers infrastructure built for high-volume clients like exchanges.

For most leading exchanges, StraitsX can deploy DVA+ to issue named USD virtual accounts under the exchange’s legal entity. This eliminates the need for shared or omnibus accounts and gives exchanges full visibility and control over all incoming and outgoing funds.

The infrastructure also supports full COBO and POBO functionality, enabling exchanges to collect and pay on behalf of their users through a fully compliant framework. Exchanges can convert USD balances to XUSD, StraitsX’s USD-backed stablecoin, instantly and at a 1:1 rate. All of these features are accessible through an API layer that plugs into existing treasury systems, enabling automation and real-time visibility.

Processes that once required multiple tools and manual steps were now consolidated into a single, unified platform.

Compliance as a competitive advantage

For leading exchanges, trust is no longer just about speed and uptime. It is also about demonstrating regulatory readiness and operational transparency. With DVA/+, the crypto exchanges are able to move away from ambiguous omnibus structures and towards a named-account framework that aligns with regulatory expectations.

Each fund flow, whether fiat or stablecoin, was traceable to its origin, with clear segregation of client and proprietary funds. By building on compliant rails from day one, the exchange avoided the legal and reputational risks that often come with high-volume fiat operations.

This foundation did more than mitigate risk. It created the confidence needed to pursue larger partnerships, streamline audits, and future-proof operations in a tightening regulatory environment. With DVA/+, compliance became not just a requirement, but a strategic edge.

Powering the next phase of digital finance

As part of our mission to enable compliant, accessible and always-on stablecoin rails for real-world payments, StraitsX is expanding DVA/+ to support more currencies, programmable settlement rules and deeper integrations with ecosystem partners. As institutional demand for compliant, scalable infrastructure grows, DVA/+ is fast becoming the core infrastructure for real-time treasury operations in digital assets.

Many leading exchanges are already turning to DVA/+ to accelerate settlement, streamline operations and meet the highest standards of regulatory readiness. 

What to expect when onboarding with StraitsX

Getting started with DVA/+ is designed to be straightforward and institution-ready. Once you reach out to our team, you'll be guided through a structured onboarding process that includes:

• Tailored due diligence
  We work with you to understand your operational needs, compliance requirements, and legal structure. Our team supports you through KYC and KYB reviews to ensure a smooth setup.
  
  
• Named account issuance
  Upon approval, StraitsX provisions named virtual accounts in your chosen currency, directly under your legal entity. You’ll gain immediate access to your account dashboard and supporting APIs.
  
  
• Integration support
  Whether you’re looking to automate fund flows, implement COBO/POBO, or connect your treasury systems, our technical team will provide full API documentation and integration assistance.
  
  
• Go live and scale
  Once integrated, you’re ready to operate. With real-time visibility and programmable controls, you can start managing fiat and stablecoin liquidity seamlessly with full compliance built in.
  
  

StraitsX is here not just to help you onboard, but to scale. As your needs evolve, our infrastructure evolves with you.

Contact us to explore how DVA/+ can transform your treasury operations.