The Great Disconnect & How StraitsX Is Bridging It

Reintroducing StraitsX

It’s 2025, and the world is finally embracing the transformative potential of blockchain and stablecoin technologies. This is evident in the growing number of global payment giants and legacy financial institutions weaving these innovations into their operations.

However, one fundamental challenge persists despite the momentum: the disconnect between blockchain technology and real-world financial systems.

At StraitsX, we exist to bridge this gap. By leveraging stablecoins and blockchain payment networks, we are building a compliant, accessible, and always-on payments ecosystem, turning the long-promised vision of connected global payment infrastructure into a reality for today’s financial systems. To date, we have powered over US$10 billion in on-chain stablecoin settlements, reflecting growing traction and readiness for scale.

The Problem: A Fragmented System

Despite the growing adoption of blockchain technology, digital assets like Bitcoin continue to face limitations when it comes to integration with traditional finance. The disconnect is felt most acutely in three key areas:

• Banking barriers for crypto companies: Many exchanges and Web3 firms struggle to open or maintain bank accounts. Financial institutions often categorise digital assets as high-risk due to compliance concerns, regulatory ambiguity, and market volatility.
  
  
• Lack of direct rails: Digital assets are not natively integrated with fiat payment networks like SWIFT or FAST. This forces users to rely on intermediaries—exchanges, custodians, or payment processors—to bridge the gap.
  
  
• Liquidity and transaction friction: Converting digital assets to fiat remains cumbersome, costly, and prone to disruption. Delays, high fees, and frozen transfers are common, especially when exchanges lose access to banking partners.
  

These frictions create a fragile on/off ramp between traditional finance and digital assets, one that slows down innovation and limits the practical use of blockchain in day-to-day finance.

The StraitsX Solution

StraitsX is building a blockchain-based financial infrastructure designed to serve as the next-generation of payment network — one that connects today’s fragmented payment ecosystems into a unified, programmable, and interoperable layer. We believe stablecoins and digital asset rails will form the backbone of tomorrow’s global payments, and we’re laying that foundation today. 

StraitsX offers a modular, plug-and-play financial infrastructure designed to empower crypto-native businesses to access banking-like capabilities. Our suite of offerings includes stablecoin-powered financial services, API integrations, and named virtual accounts. These solutions allow Web3 platforms to embed essential financial functions without the need to build complex infrastructure or acquire banking licences.

Why stablecoins? 

Because they combine the reliability of fiat with the power of blockchain:

• Stablecoins maintain a 1:1 peg to fiat currencies (e.g., 1 XUSD = 1 USD), mimicking the stability of traditional money.
  
  
• They also act as the bridge between decentralised finance (DeFi) and traditional finance (TradFi).
  
  
• Stablecoins can settle instantly, 24/7, across borders—something traditional rails can’t match.
  
  
• They are programmable, enabling automation, smart contracts, and seamless integration into both Web2 and Web3 systems.

Together, stablecoins offer the best of both worlds, making them the ideal foundation for a modern, connected payment network.‍

The Endgame: Rebuilding Digital Asset Infrastructure for the Real World

StraitsX is helping crypto-native institutions rethink their core infrastructure—unlocking real-world financial functionality without the burden of traditional banking systems. Our partners can now:

• Hold stablecoin balances on behalf of users
  
  
• Facilitate deposits and withdrawals that feel like fiat, but are settled in stablecoins
  
  
• Enable full pay-in and pay-out, remittances, and even card issuance capabilities, even without having established their banking rails.
  

Looking Ahead

The divide between digital assets and traditional finance remains one of the defining challenges of this era. However, it is also one of the biggest opportunities. As blockchain real-world adoption accelerates, the need for infrastructure that connects, simplifies, and scales is more urgent than ever.

At StraitsX, we’re not just responding to this shift. We have been building towards it from the very beginning, and now the stablecoin rails are already in motion, delivering utility at scale in real-world use cases. 

StraitsX’s latest evolution is not a future vision. It is already live. Built for compliant, accessible, and always-on stablecoin rails, our infrastructure is bridging the great disconnect between traditional finance and digital by laying the foundation for the next generation of global payments where financial systems are open, interoperable, and truly global.

Because just like a strait — a natural waterway that connects two vast bodies of water — our role is to connect and bridge the divide. In doing so, we are enabling what comes next for the future of real-world payment.

StraitsX is laying the stablecoin rails for real-world payments. The disconnect is closing with the future already in sight.