Information Technology
FXC Intelligence-SUNRATE White Paper Reveals How AI and Stablecoins Are Reshaping the Global B2B Payments Experience
FXC Intelligence data projects the , growing at a , with services representing of total flows.
While 2024 was arguably the peak year for hype surrounding AI in payments, 2025 has been the year the industry woke up to the stablecoin opportunity.
"Technologies are changing the B2B payments experience rapidly – but that doesn't mean every existing payments technology is out," said . "SUNRATE aims to integrate traditional and decentralised technologies under a trusted regulatory environment, delivering a unified global payment experience."
"We've seen many hyped technologies over the years, but AI, stablecoins and blockchain are some of the very few that look set to have a lasting impact on cross-border payments," added .
AI is no longer speculative — productivity lifts of 2x–3x are already being realised across treasury functions, risk functions and marketing. SUNRATE highlights the rise of that gather real-time product and corridor intelligence, reducing operational effort and creating consistency of information across the organisation.
Stablecoins now power cross-border flows in emerging markets in an "invisible" form. While fiat rails in G10 corridors could deliver near real-time settlement at ~0.01% cost, .
From , to tokenised deposits issued by banks, to blockchain-based reconciliation — the broader ledger opportunity could eliminate month-end mismatches and deliver a single source of truth for payment lifecycle events.
The future treasury is supervisory — not operational.
"Previously, receiving funds could take five to seven days in many markets," said . "T+1, T+0 or real-time settlement is now the baseline expectation — not a differentiator."
The paper envisions CFOs instructing an AI assistant, which would choose infrastructure, negotiate FX conversions and relay confirmation of the transaction from a blockchain ledger within just a few minutes.
SUNRATE empowers companies to operate in 190+ countries and regions through its cutting-edge proprietary platform, extensive global network, and robust APIs.
The white paper underscores SUNRATE's ongoing investment in AI-driven payments infrastructure — and its blueprint for integrating traditional and digital payment technologies into a unified global finance stack.
SUNRATE is a global payment and treasury management platform for businesses worldwide. Founded in 2016, SUNRATE has been recognised as a leading solution provider and has enabled companies to operate and scale both locally and globally in 190+ countries and regions with its cutting-edge proprietary platform, extensive global network, and robust APIs.
With its global business headquarters in Singapore and offices in Hong Kong , Jakarta , London , and Shanghai , SUNRATE partners with the top global financial institutions, such as Citibank, Standard Chartered, Barclays, J.P. Morgan. SUNRATE is also the principal member of Mastercard, Visa, and UPI. To learn more about SUNRATE, visit https://www.sunrate.com/.
View the pdf document here.
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