---
path: /report/off-hours-cash/
title: "Off-Hours Cash: The settlement gap banks can own by adopting stablecoins"
description: A commercial case for stablecoin settlement by banks, written for bank treasurers, ALM leads, and transaction banking heads.
image: /og/2026-q4/og_2026-q4_report_off-hours-cash_linework-f5_v02.png
category: Banking
order: 2
heroTitle: "Off-hours cash: the settlement gap banks can own by adopting stablecoins"
seoDescription: A Tempo research report on the commercial case for bank-issued stablecoin settlement during off-hours windows.
shortTitle: Off-Hours Cash
reportSummary:
  text: 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.
  items:
    - 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
audience: Bank treasurers, ALM leads, and transaction banking heads
subtitle: The Settlement Gap Banks Can Own By Adopting Stablecoins
eyebrow: Stablecoin Advisory
authors:
  - name: Simon Taylor
    url: https://www.linkedin.com/in/sytaylor/
  - name: Borja Neira
    url: https://www.linkedin.com/in/bneira/
  - name: Jevgenijs Kazanins
    url: https://www.linkedin.com/in/kazanins/
metrics:
  - value: $260B
    label: Annualized sleeve flow in the worked illustration
  - value: $38M
    label: Total annual cost under the conservative case
  - value: 48 hrs
    label: Transactional liquidity window from Friday to Monday
reportUrl: /report/off-hours-cash
pdfUrl: /reports/off-hours-cash-the-settlement-gap-banks-can-own.pdf
readerUrl: /report/off-hours-cash/print
blogUrl: /blog/off-hours-cash-stablecoin-settlement-gap
locale: en
canonical: https://tempo.xyz/report/off-hours-cash/
---

# 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](/report/off-hours-cash)
- [Download the PDF](/reports/off-hours-cash-the-settlement-gap-banks-can-own.pdf)
- [Open the reader](/report/off-hours-cash/print)

> Interactive report gate is available on the HTML page.

---

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