Real World Use Cases of Businesses using Stablecoins

Stablecoins are now transforming how businesses manage cross-border payments, treasury operations, and programmable disbursements. Unlike traditional cryptocurrencies, stablecoins maintain a fixed value, making them an efficient and predictable way to move money globally.

For enterprises, adopting stablecoins is about more than speed or cost savings. It’s about regulatory clarity, operational transparency, and end-to-end control. StraitsX issued  stablecoins like XSGD and XUSD, paired with programmable compliance features, provide the tools businesses need to integrate stablecoins safely into corporate workflows.

StraitsX, a Major Payment Institution (MPI) licensed by the Monetary Authority of Singapore (MAS) bridges this disconnect by leveraging blockchain technology to provide stablecoin-powered rails for instant, transparent, and regulated value movement.

The foundation of this digital transformation lies in our fully reserved, fiat-pegged stablecoins. Unlike unbacked digital assets, XSGD and XUSD function as digital representations of cash, held 1:1 in segregated accounts. XSGD serves as the first fully-reserved Singapore Dollar-Pegged Stablecoin, while XUSD is designed for global trade and institutional settlement. Both have been acknowledged by the MAS as substantively compliant with the Single-Currency Stablecoin (SCS) Framework, ensuring they meet the highest global standards for reserve transparency and consumer protection.

Solving Liquidity Friction via StraitsX DVA Solution

For global platforms and exchanges, managing the flow between traditional bank accounts and digital assets is often a significant operational hurdle. StraitsX’s Dedicated Virtual Accounts (DVA) solution, addresses this by allowing businesses to assign named, segregated USD virtual accounts that support deposts and withdrawals via SWIFT. While users interact with familiar USD banking rails, settlement is executed via XUSD: when a user funds their DVA via a traditional bank transfer, the funds are automatically minted into XUSD and settled 1:1 into the user's digital wallet.

This creates a "plug-and-play" treasury model that platforms like Binance and Bybit use to offer a Tier-1 banking experience with the instant, programmable settlement of a stablecoin, significantly reducing reconciliation overhead and manual checks.

Institutional Execution with StraitsX OTC

Large-scale capital movements, such as corporate treasury rebalancing or property acquisitions, require a level of execution that public exchanges simply cannot provide. Executing these trades on-chain often leads to significant "slippage" and price volatility. To solve this, the StraitsX OTC (Over-the-Counter) is purpose-built for high-volume transactions starting from US$100,000.

For businesses executing high-value OTC trades, StraitsX offers a single-ticket execution service that simplifies complex market flows. Clients can convert stablecoins and fiat efficiently without managing multiple trade legs, while maintaining compliance, transparency, and same-day settlement. Our OTC Desk handles the underlying market routing, delivering a seamless experience for enterprise treasury and liquidity management. 

Real-World Applications for Businesses using Stablecoins 

These tools are already powering real-world commerce across the region. Under the BLOOM initiative with KBank, we will be working together to connect the payment ecosystems of Thailand and Singapore using Purpose Bound Money (PBM). 

This framework allows Thai travelers to pay Singaporean merchants via QR code with ease. Behind the scenes, the transaction is settled instantly in XSGD via high-speed blockchain networks. By the second quarter of 2026, this corridor will expand to allow Singaporean travelers to pay Thai merchants directly in SGD, with XSGD handling the real-time FX conversion and settlement. This removes the "settlement gap" typical of cross-border trade, ensuring they receive local currency without waiting days for cross-border bank transfers to settle.

Similarly, in partnership with OKX SG and Grab, we launched Singapore's first "scan-to-pay" crypto service, allowing users to spend digital assets like USDC and USDT at the vast network of Grab merchants across Singapore. To the merchant, the process feels like a standard transaction, and to the user, it is the freedom of digital-native finance.

Learn more about stablecoin for business.

The New Operating System for Future Businesses

The shift from T+2 to T+0 is not just a technical upgrade; it is a fundamental shift in how businesses manage capital. By utilizing StraitsX stablecoins, DVAs, and our OTC desk, enterprises are moving away from the rigid constraints of banking hours and into a world of programmable, borderless finance. As a regulated payments partner anchored in Singapore, StraitsX provides the stability you need to innovate at the speed of the internet.

Whether you are looking to execute high-volume trades via our OTC Desk or automate your treasury with our DVA solutions, connect with our sales team to see how your business can streamline operations, optimize liquidity, and unlock new digital financial opportunities.