The biggest change over the next year will be that we will start using stablecoins to settle all transactions instead of just using them as a speculative investment. B2B cross-border transactions have suffered for years from being stuck in a "black hole" of correspondent banks, where the money has been held up for an average of three to five days before being available to the recipient. With stablecoins, those time delays can now be eliminated. Mid-market businesses will be able to access almost instant liquidity using stablecoins as their method of settlement, allowing them to access working capital that has historically been locked up in lengthy clearing/settlement cycles. Transitioning to a programmable settlement model means that payments will no longer be interpreted purely as a message or piece of information but will become an automatic transfer of value once a smart contract has been executed. This will have a significant impact on supply chains, where a payment would be executed upon receipt of digital proof of delivery. Our own observations support industry research, which shows that by moving to blockchain technology for settlement, transaction fees can be reduced by close to 80% when compared with the costs associated with traditional international wire transfers. This is much more than just a way to reduce your bank fees; it is also an opportunity for the CFOs of multinational companies to change how they manage their global cash flow and counterparty risk. While the technology to enable these new processes is ready, the major hurdle will be integrating with legacy ERPs and finance systems. Companies that position themselves to capitalize on the opportunity associated with stablecoin settlement will be those that see stablecoins as an essential and boring infrastructure layer, rather than a financial science project or experiment. A stablecoin framework must include established governance measures and auditing processes that take precedence over the hype surrounding the underlying technology.