Off-Hours Cash: The settlement gap banks can own by adopting stablecoins

A commercial case for stablecoin settlement by banks, written for bank treasurers, ALM leads, and transaction banking heads.

For: Bank treasurers, ALM leads, and transaction banking heads

A bank-owned path into weekend settlement

The report models a tightly sized, prefunded, KYC'd stablecoin sleeve backed by wholesale deposits and automatically swept back to deposit form on Monday morning.

• Why wholesale deposits change the stablecoin P&L
• Where closed settlement windows create client demand
• How a 48-hour sleeve can clear break-even at 1.4-1.6 bps
• Why Tempo fits as a neutral cash-leg orchestration layer

Key metrics

• $260B — Annualized sleeve flow in the worked illustration
• $38M — Total annual cost under the conservative case
• 48 hrs — Transactional liquidity window from Friday to Monday

Read the report

• Report landing page
• Download the PDF
• Open the reader