--- path: /learn/ title: Learn About Stablecoins & Payments — Tempo description: Your educational hub for stablecoins, blockchain payments, and global money movement. Guides for finance teams, developers, and business leaders. template: hub image: /og/2026-q4/og_2026-q4_hub_learn_title-f5_v02.png seoTitle: Learn About Stablecoins & Payments — Tempo locale: en canonical: https://tempo.xyz/learn/ --- # Guides on stablecoins, blockchain payments, and global money movement ## [Agentic payments: Evaluating the infrastructure for AI commerce](/learn/agentic-payments/) Agentic payments let AI agents pay for services within limits a person sets. Learn how authorization, settlement, spending controls and audit trails work. 2026-11-04 ## [Why cross-border B2B payments cost so much and take so long](/learn/cross-border-b2b-payments/) Cross-border B2B payments cost 2-3.5% and can take days to settle. Learn what drives fees and delays, from FX markups to cutoffs, and where stablecoins fit. 2026-11-04 ## [Stablecoin rails and cross-border payouts for remittances](/learn/cross-border-payouts/) Cross-border payouts deliver money abroad in local currency. Learn how remittance firms add stablecoin settlement, why local partners matter and when to buy. 2026-11-04 ## [Private blockchain payments: Stablecoin payroll settlement security](/learn/private-blockchain-payments/) Private blockchain payments keep amounts, recipients and balances off the public ledger. Learn the main privacy models, their tradeoffs and how audits work. 2026-11-04 ## [Consumer credit: how it works and how apps offer it](/learn/consumer-credit/) Learn what consumer credit is, the difference between revolving and installment credit, who can lend, and how wallets and fintech apps offer loans through licensed lenders. 2026-10-30 ## [Embedded lending: how platforms offer credit inside their products](/learn/embedded-lending/) Learn how embedded lending works, who does what in a program, how platforms fund the loans they offer, and where stablecoin disbursement and repayment fit. 2026-10-30 ## [Invoice factoring vs. invoice financing: how each works](/learn/invoice-factoring/) Learn how invoice factoring and invoice financing work, how recourse, advance rates and fees shape the cost, and how factoring companies fund and settle advances. 2026-10-30 ## [Merchant cash advances: how they work and what they cost](/learn/merchant-cash-advance/) Learn how a merchant cash advance works, how factor rates and holdbacks translate into cost, how it compares with revenue-based financing, and how platforms fund advances. 2026-10-30 ## [Private credit: what it is and how payment and lending companies use it](/learn/private-credit/) Learn what private credit is, why it has grown, how fintech lenders and payment companies use private credit facilities, and the terms that limit them. 2026-10-30 ## [Revolving credit facilities: how draws, fees and covenants work](/learn/revolving-credit-facility/) Learn how a revolving credit facility works, the terms that set its cost, such as commitment fees and minimum utilization, and how stablecoin draws and repayments change the mechanics. 2026-10-30 ## [Unsecured business loans: how they work and what lenders look for](/learn/unsecured-business-loans/) Learn how unsecured business loans work, what lenders review, why personal guarantees and blanket liens are common, and how platforms fund the business loans they offer. 2026-10-30 ## [Unsecured credit: how borrowing without collateral works](/learn/unsecured-credit/) Learn what unsecured credit is, the common types for consumers and businesses, how lenders decide who qualifies, and how stablecoins can carry disbursement and repayment. 2026-10-30 ## [Working capital loans: types, terms and how they work](/learn/working-capital-loans/) Learn how working capital loans work, the main types for businesses and lending platforms, the terms that drive cost, and where stablecoin funding fits. 2026-10-30 ## [Blockchain in central banking: Where private stablecoin rails fit](/learn/blockchain-in-central-banking/) Blockchain in central banking explained: how wholesale CBDCs, tokenized deposits and private stablecoins fit together, with real pilots and practical limits. 2026-10-29 ## [Clearing houses in banking: How they work](/learn/clearing-house-in-banking/) A clearing house in banking confirms and nets payment obligations between banks. Learn how clearing works, where it hits limits and how stablecoins compare. 2026-10-29 ## [Building global payroll infrastructure on stablecoin rails](/learn/global-payroll-infrastructure/) Global payroll infrastructure explained: the layers that fund, convert, hold and deliver cross-border pay, and how stablecoin rails fit alongside banks. 2026-10-29 ## [Privacy vs. anonymity and why pseudonymity falls short](/learn/privacy-vs-anonymity/) Privacy vs. anonymity in stablecoin payments: how pseudonymity, anonymity and confidentiality differ, why pseudonymity falls short and how to pick a model. 2026-10-29 ## [Tokenization of real estate: ownership, liquidity, and limitations](/learn/tokenization-of-real-estate/) Tokenization of real estate issues digital units of property rights. Learn how it works, what fractional ownership changes and where liquidity has limits. 2026-10-29 ## [Tokenized Treasuries: Mechanics, benefits, and risks](/learn/tokenized-treasuries/) Tokenized Treasuries are onchain tokens backed by U.S. government debt. Learn how they are issued and redeemed, the main products, and their benefits and risks. 2026-10-29 ## [Liquidity management: a guide for treasury and finance teams](/learn/liquidity-management/) Liquidity management keeps enough cash available to meet obligations. Learn the core techniques, key metrics, common challenges, and how stablecoins fit. 2026-10-27 ## [How does blockchain support data privacy? Methods and security](/learn/blockchain-data-privacy/) Learn what blockchain data privacy covers, what a public stablecoin payment exposes, which methods protect it, and how private payments stay auditable. 2026-10-26 ## [Blockchain identity management for private counterparty verification](/learn/blockchain-identity-management/) Blockchain identity management uses DIDs and verifiable credentials to verify counterparties without exposing source documents. See how it works and its limits. 2026-10-26 ## [FBO accounts in payment operations](/learn/fbo-accounts/) Understand for-benefit-of accounts, beneficial-owner records, deposit insurance conditions, and how bank balances differ from stablecoin balances. 2026-10-26 ## [Fee sponsorship for stablecoin payments](/learn/fee-sponsorship/) Fee sponsorship lets an application pay network fees for users. Learn the roles, prerequisites, and operating controls for a sponsored payment. 2026-10-26 ## [Minting and burning stablecoins](/learn/mint-and-burn/) Learn how minting and burning stablecoins work, how issuance differs from redemption, and which records payment teams should reconcile for each supply change. 2026-10-26 ## [Nostro and vostro accounts](/learn/nostro-vostro-accounts/) Understand nostro and vostro accounts, how correspondent payments use them, and what stablecoin settlement changes for payment operations. 2026-10-26 ## [Prefunding in payment operations](/learn/prefunding/) Learn what prefunding is, why payment providers hold funds ahead of payouts, how to size a buffer and its capital cost, and where stablecoin settlement helps. 2026-10-26 ## [The principles of privacy by design for stablecoin payments](/learn/privacy-by-design/) Privacy by design builds privacy into systems from the start. Learn the seven principles and how they apply to confidential stablecoin payment workflows. 2026-10-26 ## [Salary privacy with stablecoins: what is public](/learn/salary-privacy-with-stablecoins/) See who can view stablecoin salary payments, balances, and withdrawals, and how Tempo Zones protect account activity while preserving authorized access. 2026-10-26 ## [Stablecoin FX: how cross-currency payments work](/learn/stablecoin-fx/) Understand where FX happens in a stablecoin payment, how it differs from bridging, and how to evaluate liquidity, quotes, and local-currency delivery. 2026-10-26 ## [Stablecoin on-ramps and off-ramps for business payments](/learn/stablecoin-on-off-ramps/) Learn how businesses move between bank accounts and stablecoins, including provider roles, FX, funding, payout confirmation, fees, and exceptions. 2026-10-26 ## [Stablecoin routing across chains, assets, and payment rails](/learn/stablecoin-routing/) Learn how stablecoin routing connects deposits, transfers, and conversions, and how payment teams evaluate coverage, quotes, delivery, and failed payments. 2026-10-26 ## [What stablecoin transfer fees actually include](/learn/stablecoin-transfer-fees/) Compare the full cost of a stablecoin payment, including funding, network fees, bridging, FX, and bank payouts, with a worked recipient-amount example. 2026-10-26 ## [What tokenization platforms solve and how to choose one](/learn/tokenization-platform/) A tokenization platform issues and services tokenized real-world assets. Learn how these platforms work, which features to compare and what they can't do alone. 2026-10-26 ## [Transfer memos for payment reconciliation](/learn/transfer-memos/) Use a payment reference to connect a stablecoin transfer to an invoice or payout record, with clear limits on memo size, privacy, and verification. 2026-10-26 ## [US-to-Mexico business payments: how stablecoins connect to SPEI](/learn/us-mexico-business-payments/) Follow a US-to-Mexico supplier payment through funding, stablecoin settlement, FX conversion, and a peso payout through SPEI. 2026-10-26 ## [Agentic commerce: how AI agents buy and pay](/learn/agentic-commerce/) Learn what agentic commerce is, how AI agents find, buy, and pay for products and services, and which payment controls businesses need before agents transact. 2026-10-24 ## [API monetization: pricing models and per-request payments](/learn/api-monetization/) Learn how to monetize an API with subscriptions, usage-based billing, prepaid credits, and per-request payments, and how MPP lets AI agents pay for API calls. 2026-10-24 ## [Embedded finance: how it works, models, and examples](/learn/embedded-finance/) Learn what embedded finance is, how platforms add payments, accounts, cards, and lending to their products, and where stablecoin accounts fit in the stack. 2026-10-24 ## [Embedded payments: how software platforms take and send payments](/learn/embedded-payments/) Learn how embedded payments let software platforms accept and send payments in their product, compare integration models, and see where stablecoins fit. 2026-10-24 ## [Stablecoin treasury management: liquidity, controls, and reporting](/learn/stablecoin-treasury-management/) Learn how treasury teams manage stablecoin balances: liquidity positioning, intercompany settlement, approval controls, risk, and TMS integration. 2026-10-24 ## [Crypto off-ramps: how to convert crypto to fiat](/learn/crypto-off-ramp/) A crypto off-ramp converts digital assets into fiat money. Learn the payout flow, costs, bank timing, and provider requirements for stablecoin payments. 2026-10-21 ## [Crypto onramp: how fiat becomes digital assets](/learn/crypto-onramp/) A crypto onramp converts fiat money into digital assets. Learn how onramps work, what fees and timing include, and how to evaluate a provider for payments. 2026-10-21 ## [Embedded wallets: how they work and what to evaluate](/learn/embedded-wallets/) Learn how embedded wallets work, how custody and signing controls differ, and what to evaluate for authentication, recovery, funding, fees, and payments. 2026-10-21 ## [Marketplace payouts: balances, splits, and seller delivery](/learn/marketplace-payouts/) Learn how marketplace payouts move seller earnings from payment allocation to delivery, including pending balances, refunds, reserves, routing, and stablecoins. 2026-10-21 ## [Stablecoin corporate cards: treasury funding and spending](/learn/stablecoin-corporate-cards/) Learn how stablecoin corporate cards connect company balances to employee and supplier spending, including treasury funding, controls, fees, and reconciliation. 2026-10-21 ## [Stablecoin financial accounts: a guide for finance teams](/learn/stablecoin-financial-accounts/) Learn how stablecoin financial accounts hold and move business balances, with practical guidance on funding, custody, transfers, controls, and reconciliation. 2026-10-21 ## [Stablecoin invoicing: how to send and collect invoices](/learn/stablecoin-invoicing/) Learn how stablecoin invoicing works, including invoice currency, payment instructions, quote expiry, reconciliation, partial payments, and refunds. 2026-10-21 ## [Stablecoin subscriptions: how recurring payments work](/learn/stablecoin-subscriptions/) Learn how stablecoin subscriptions work, from customer consent and recurring collection to failed payments, cancellation, refunds, and reconciliation. 2026-10-21 ## [Virtual accounts: receiving details for payment flows](/learn/virtual-accounts/) Virtual accounts help route and identify incoming payments. Learn how receiving details work, how they connect to stablecoins, and what to check in a provider. 2026-10-21 ## [Accounts receivable financing: funding the gap before customers pay](/learn/accounts-receivable-financing/) Learn how accounts receivable financing works, how it differs from invoice factoring, and where stablecoins fit in funding, collection, and repayment. 2026-10-20 ## [Choosing a blockchain for stablecoin payments](/learn/choosing-a-blockchain-for-stablecoin-payments/) Choose a chain for a stablecoin app by evaluating assets, wallets, funding, fees, settlement, and payment operations. Learn when Tempo fits. 2026-10-20 ## [How to build a stablecoin app](/learn/how-to-build-a-stablecoin-app/) A practical stablecoin app stack: Tempo, TypeScript, wallets, payment APIs, a ledger, funding, and reconciliation. Start with hold, send, and receive. 2026-10-20 ## [Payment netting: how it works and when to use it](/learn/payment-netting/) Payment netting offsets eligible obligations so businesses settle the difference. Learn bilateral and multilateral netting, liquidity tradeoffs, and how it differs from batching. 2026-10-20 ## [What is settlement risk? A guide for payment teams](/learn/settlement-risk/) Learn how settlement risk arises, how principal and liquidity exposures differ, and what stablecoin settlement changes for cross-border payment operations. 2026-10-20 ## [What are stablecoin-backed cards?](/learn/stablecoin-backed-cards/) Learn what stablecoin-backed cards are, how they work, what merchants receive, and how debit, prepaid, and credit models differ, including fees and risks. 2026-10-20 ## [Stablecoin card issuing: a guide for fintechs](/learn/stablecoin-card-issuing/) Learn how fintechs design stablecoin card programs, from wallet funding and issuer relationships to authorization, settlement, and reconciliation. 2026-10-20 ## [Stablecoin custody: control, risks, and payment operations](/learn/stablecoin-custody/) Understand stablecoin custody models, key control, customer rights, issuer risk, and the operational controls businesses need for payments. 2026-10-20 ## [Stablecoin savings accounts: APY, rewards, and risks](/learn/stablecoin-savings-account/) Learn what stablecoin savings accounts are, how APY is calculated and rewards are funded, and how to compare fees, withdrawals, eligibility, and principal risk. 2026-10-20 ## [Onchain credit: how it works for payments and receivables](/learn/onchain-credit/) Learn how onchain credit works, how it differs from crypto-backed lending, and how stablecoins support payment prefunding and receivables financing. 2026-10-16 ## [What are tokenized stocks? A guide for fintech teams](/learn/tokenized-stocks/) Learn how tokenized stocks work, how ownership rights differ, and what fintech teams need to evaluate across funding, custody, trading, and settlement. 2026-10-16 ## [Bank-issued stablecoins: Creating a cross-network digital asset](/learn/bank-issued-stablecoins/) Bank-issued stablecoins are fiat-backed tokens that a bank issues and redeems. Learn how they differ from tokenized deposits and what interoperability requires. 2026-10-15 ## [Stablecoin liquidity for exchanges: What it takes](/learn/stablecoin-liquidity-for-exchanges/) Stablecoin liquidity for exchanges lets customers deposit, withdraw and redeem at the expected price. Learn how minting, buffers, wallets and rebalancing work. 2026-10-15 ## [How settlement works with a stablecoin debit card](/learn/stablecoin-debit-card/) Learn how stablecoin debit card settlement works end to end, including what stays on traditional rails, compliance controls, and reconciliation. 2026-10-13 ## [Settling tokenized deposits and RWAs with stablecoin rails](/learn/tokenized-deposits/) Blockchains move tokens; stablecoins move value. Find out how stablecoin settlement serves as the cash leg for tokenized deposits and RWAs. 2026-10-13 ## [Payment reconciliation: Bridging onchain with ERP](/learn/payment-reconciliation/) Stablecoins are changing the payment reconciliation flow. Learn how it's already possible to bring blockchain into today’s ERP and treasury systems. 2026-10-09 ## [Session keys: Speeding up onchain agentic settlement](/learn/session-keys/) Smart accounts smooth out the pain points in blockchain payments. Learn how session keys and gas abstraction support onchain agentic transactions. 2026-10-09 ## [SWIFT message types (MT) and ISO 20022 MX for developers](/learn/swift-message-types/) Learn how SWIFT message types (MT) differ from ISO 20022 MX messages. Find out what developers need to know about formatting, validation, and integrations. 2026-10-09 ## [AI payment processing: How agents pay for APIs with MPP](/learn/ai-payment-processing/) AI payment processing lets agents pay for APIs per request. Learn how MPP and HTTP 402 work, which payment rails fit, and how to pick a billing model. 2026-10-07 ## [What is Open USD (OUSD)?](/learn/open-usd-ousd/) Learn how Open USD (OUSD) works, including its reserves, shared economics, governance, and uses for payments, settlement, and treasury. 2026-10-07 ## [Global payouts for neobanks: Faster, more predictable settlement with stablecoins](/learn/global-payouts-for-neobanks/) Learn where global payout costs come from for neobanks, how a stablecoin settlement leg makes them more predictable, and what infrastructure you need to run it. 2026-09-18 ## [Bringing global batch payments onto stablecoin rails](/learn/batch-payments/) Learn how Tempo helps teams run batch and scheduled cross-border payouts with programmable execution, predictable stablecoin-denominated costs, and reconciliation-ready payment records. 2026-09-10 ## [Rethinking GPU marketplaces for real-time agentic payments](/learn/gpu-marketplace/) GPU marketplaces are moving toward fine-grained, usage-based compute. Learn how MPP and Tempo help agents discover services, authorize budgets, and settle stablecoin payments. 2026-09-10 ## [Stablecoin settlement: an enterprise evaluation guide](/learn/stablecoin-settlement/) Stablecoin settlement infrastructure should be evaluated on finality, fees, reconciliation, policy controls, and fit with existing payment workflows. Learn how Tempo approaches each layer. 2026-09-10 ## [The true cost of correspondent banking services for payouts](/learn/correspondent-banking-services-for-payouts/) Learn how correspondent banking works, where the costs compound, and how stablecoin rails can reduce the operational burden of global payouts. 2026-09-04 ## [What stablecoin payment infrastructure needs to work at enterprise scale](/learn/stablecoin-payment-infrastructure-enterprise-scale/) A guide to evaluating stablecoin infrastructure for enterprise-scale payments, from settlement finality to compliance and reconciliation. 2026-09-04 ## [How stablecoin rails help Banking-as-a-Service scale globally](/learn/stablecoin-rails-banking-as-a-service/) Learn how stablecoin rails help Banking-as-a-Service platforms scale global settlement, reconciliation, and programmable payment workflows. 2026-09-04 ## [How much are wire transfer fees?](/learn/wire-transfer-fees/) International wire transfer fees include sending and receiving fees, correspondent-bank charges, FX spreads, settlement delays, and more 2026-09-03 ## [Confidential B2B settlement on stablecoin rails](/learn/b2b-payment-processing/) Are digital ledgers the next level for enterprise payments? Find out what the future of B2B payment processing is with privacy-preserving blockchains. 2026-08-24 ## [Cross-border payments in Latin America: where stablecoin rails fit](/learn/cross-border-payments-latin-america/) How stablecoin rails help businesses improve cross-border payroll, marketplace settlements, treasury operations, and supplier payments across Latin America. 2026-08-24 ## [Embedded finance for gig economy payments: a payout-routing blueprint](/learn/embedded-finance-gig-economy-payments/) Learn why gig economy payments need embedded payout routing, automated money movement, and reconciliation-ready infrastructure for global contractors. 2026-08-24 ## [Can stablecoins and tokenized deposits coexist?](/learn/stablecoins-and-tokenized-deposits/) Are tokenized deposits competing with B2B stablecoin payments? Compare the differences between these digital assets, and see how they coexist in the market. 2026-08-24 ## [Managing payout complexity for global payroll processing companies](/learn/managing-payout-complexity-global-payroll/) Explore how global payroll processing companies use stablecoin rails to cut cross-border settlement costs, speed up payments, and simplify reconciliation. 2026-08-20 ## [402 Payment Required: the emerging agentic payment pathway](/learn/402-payment-required/) The long-neglected 402 Payment Required is finally having its day thanks to machine-to-machine commerce. Learn what 402 means and how it fits into AI payments. 2026-08-19 ## [How to accept stablecoin payments: integration for B2B companies](/learn/how-to-accept-stablecoin-payments/) Learn how to accept stablecoin payments by integrating with Tempo. Unlock faster settlement, programmable payment logic, and easy reconciliation. 2026-08-19 ## [A guide to stablecoin payroll for global teams](/learn/stablecoin-payroll-for-global-teams/) Learn how stablecoin payroll works, why companies are exploring it for global teams, and the infrastructure required to support compliant payroll operations. 2026-08-19 ## [Beyond sponsor banks: a new era for embedded finance platforms](/learn/beyond-sponsor-banks/) Explore challenges facing sponsor-bank embedded finance platforms and how direct stablecoin infrastructure offers a predictable alternative. 2026-08-07 ## [Blockchain payments for enterprise operations](/learn/blockchain-payments/) Understand how blockchain payments work, where stablecoins fit, and the custody, funding, privacy, and reconciliation requirements for an enterprise payment flow. 2026-05-04 ## [Tokenized deposits and stablecoins for corporate treasury](/learn/corporate-treasury-tokenized-deposits/) How tokenized deposits and stablecoins help treasury teams move liquidity onchain, improve cash visibility, and reduce working capital trapped in transit. 2026-05-04 ## [Cross-border payments with stablecoins](/learn/cross-border-payments/) How to evaluate cross-border stablecoin payments: verify the asset, network, funding, FX, recipient delivery, total cost, and payment status. 2026-05-04 ## [Global payouts: how they work with stablecoins](/learn/global-payouts/) Learn how global payouts work, compare bank and stablecoin routes, and evaluate fees, recipient delivery, coverage, controls, and reconciliation. 2026-05-04 ## [Microtransactions with stablecoins: sub-cent payments at scale](/learn/microtransactions/) Enable true pay-per-use pricing with sub-cent stablecoin payments for APIs, content, IoT, and machine-to-machine commerce. 2026-05-04 ## [Payment rails compared: ACH vs wire vs SWIFT vs stablecoins](/learn/payment-rails/) Compare ACH, wires, instant bank payments, SWIFT messaging, and stablecoin settlement using recipient access, complete cost, timing, and operating requirements. 2026-05-04 ## [Stablecoin payments: how they work, benefits, and risks](/learn/stablecoin-payments/) Learn how stablecoin payments work, where businesses use them, and what to evaluate across settlement, costs, compliance, and operations. 2026-05-04 ## [Stablecoin payroll for funding and global payouts](/learn/stablecoin-payroll/) Learn how payroll providers can use stablecoins for account funding, cross-border payouts, and employee wallets, plus what to evaluate before integrating. 2026-05-04 ## [Stablecoins for business: a practical guide for finance teams](/learn/stablecoins-for-business/) A practical guide for treasury, finance, and operations teams evaluating stablecoins for payments, treasury management, and global operations. 2026-05-04 ## [What are stablecoins? A guide for finance teams](/learn/what-are-stablecoins/) Learn what stablecoins are, how they maintain value through reserves, and the payment use cases they enable for businesses globally. 2026-05-04 --- ## Site links - [Tempo home](/) - [Privacy policy](/privacy-policy/) - [LinkedIn](https://www.linkedin.com/company/tempo) - [X](https://x.com/tempo) - [YouTube](https://www.youtube.com/@tempo) ### Products - [Earn](/earn/) - [Routes](/routes/) - [Zones](/zones/) ### Solutions - [Agentic payments](/solutions/agentic-payments/) - [Credit](/solutions/credit/) - [Cross-border payments](/solutions/cross-border-payments/) - [Institutional settlement](/solutions/institutional-settlement/) - [Stablecoin accounts](/solutions/stablecoin-accounts/) - [Tokenized deposits](/solutions/tokenized-deposits/) ### Developers - [Documentation](/developers) - [Tempo Explorer](https://explore.tempo.xyz/) - [Tempo API](/developers/docs/api) - [Performance](/developers/performance) - [Status](https://status.tempo.xyz/) - [GitHub](https://github.com/tempoxyz) ### Resources - [Blog](/blog/) - [Customers](/customer-stories/) - [Learn](/learn/) - [OUSD](/ousd/) - [Partners](/partners/) - [Reports](/reports/) - [Stablecoin Advisory](/stablecoin-advisory/) ### Company - [About](/about/) - [Careers](/careers/) - [Brand kit](/brand/) - [FAQ](/faq/)