A top executive at the global payments firm Fiserv has signalled that stablecoins may soon become a critical tool for moving funds between banks outside of standard business hours. Speaking at a major fintech conference, the company’s head of embedded finance and digital assets outlined that stablecoins offer 24-hour settlement potential and could reshape how banks transfer liquidity. The remarks illustrate how traditional payments firms are beginning to embed digital-asset workflows into legacy infrastructure.
The executive noted that unlike traditional payment rails, blockchains supporting stablecoins operate around the clock, enabling banks to move funds even when clearing houses are closed. This capability becomes especially relevant for state-owned or wholesale banking systems where liquidity movement is continuous, he said. Stablecoins, he added, fit seamlessly with existing fiat pegged models, making them appealing to institutions wary of crypto volatility.
In the discussion, the executive gave an example involving the Bank of North Dakota, which effectively functions as a wholesale bank for other regional lenders in the state. By leveraging a stablecoin-powered settlement network, banks could move funds instantly to each other outside of normal business windows, he explained. This sort of innovation points to stablecoins acting more like digital cash than speculative tokens.
The payments firm is already advancing its stablecoin strategy this year, including issuing its own digital asset and forming partnerships to enable interoperability with major token-ledgers. These moves reflect a broader shift among payments incumbents, which are betting that stablecoins will underpin next-generation cross-border and intra-bank transfers. For banks, this means access to programmable settlement, reduced counterparty risk, and faster liquidity rotation.
Industry analysts see this development as part of a larger trend in 2025 where stablecoins are increasingly framed as infrastructure rather than speculation. As regulators draft frameworks for token-backed assets, payments and banking firms are moving ahead with pilots that rely on stablecoins for treasury operations, escrow settlement, and even tokenized title transfers. These services were traditionally slow, manual, and costly.
According to on-chain tracking, usage of regulated stablecoins in institutional payment workflows has grown by over 35 percent year-to-date. Despite wider crypto volatility, these tokens have maintained consistent utility in settlement and liquidity-management roles. Payments firms like Fiserv are positioning themselves to serve this demand, targeting banks and merchants who need compliant, programmable digital-currency rails.
Market strategists highlight that the evolution of stablecoin use cases beyond trading pairs is crucial for the next phase of digital finance. When banks start moving undrawn credit, payroll, and inter-bank liquidity via stablecoins, the total addressable market will expand. The payments firm’s focus on settlement around the clock and tokenized escrow services underscores this shift in mindset.
In a market where speed, reliability and regulation matter more than speculative upside, stablecoins are emerging as a cornerstone for institutional finance. With major payments firms integrating these tokens into existing banking infrastructure, the future of digital-asset settlement is looking more operational than experimental.
