---
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title: Reports and research – Tempo
description: Research from Tempo on stablecoin payments, banking, and the financial infrastructure shaping the future of payments.
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seoTitle: Stablecoin Payments Reports & Research | Tempo
socialTitle: Stablecoin Payments Reports & Research
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canonical: https://tempo.xyz/reports/
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# Research on payments & financial infrastructure

## [Stablecoins as cash on the balance sheet](/report/stablecoins-as-cash/)

An analysis of FASB’s proposed cash-equivalent guidance and what it means for corporate finance teams.

## [Tokenized Deposits for Banks: A Primer](/report/tokenized-deposits-primer/)

A practical primer on tokenized deposit models, accounting flows, and the options banks can use to settle with other institutions.

## [The Enterprise Guide to Stablecoin Earn Programs](/report/enterprise-guide-to-stablecoin-earn-programs/)

A practical guide to choosing assets, designing the customer experience, and planning the launch of a stablecoin Earn program.

## [Off-Hours Cash](/report/off-hours-cash/)

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

## [Launching Stablecoin Payment Products](/report/launching-stablecoin-payment-products/)

A practical guide for banks evaluating stablecoin payments, from outgoing transfers and prefunded liquidity to compliance, economics, and expansion into collections.

## [Tokenized Money for Banks](/report/tokenized-money-for-banks/)

A primer for banks evaluating tokenized deposits, first-party stablecoins, and third-party stablecoin settlement products.

## [Creating More Liquidity in Markets](/report/creating-more-liquidity-mobility-in-markets/)

A market-structure report on why liquidity mobility should be the primary lens for evaluating tokenized settlement infrastructure.

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