THE FINTECH INTERVIEW
“ Stablecoins won’ t solve every issue, but they can simplify moving value across borders without delays, overhead and other issues.”
Strategic evolution toward payment models built for contemporary global business operations characterises necessary transitions rather than complete system overhauls.
Building trust through regulatory frameworks and governance Advantages of stablecoins mean little, however, without widespread business confidence in their security and legitimacy. Payment innovation depends fundamentally on trust, particularly in cryptocurrency spaces where regulatory uncertainty has historically limited enterprise adoption. Confidence requires that stablecoins are fully backed by fiat currency reserves held in regulated, audited accounts. Proper oversight of issuing entities becomes essential, with transparent reserve management practices. Without such foundations, operational risks outweigh potential benefits for enterprise treasurers managing fiduciary responsibilities.
Legislative efforts like America’ s GENIUS Act are creating clearer regulatory frameworks for stablecoin operations. Reserve backing requirements, audit obligations and compliance standards now have defined parameters under this legislation, covering who can issue stablecoins and under what conditions.
“ The GENIUS Act in the US is a step in the right direction,” Saurabh explains.
“ It defines who can issue stablecoins and under what conditions, including reserve backing, audits and compliance requirements.”
Global regulatory landscapes remain uneven despite such progress. Clear pathways exist in some markets for compliant stablecoin operations, while others have yet to establish comprehensive frameworks.
Multinational businesses face governance due diligence spanning multiple jurisdictions due to regulatory fragmentation. Companies must evaluate stablecoin providers against varying regulatory standards across their operational footprint.
Security and compliance cannot be compromised for operational efficiency, Saurabh emphasises, as legitimacy and governance ensure stablecoins move value quickly and securely.
“ Trust underpins payment innovation,” he continues.“ Businesses need confidence that stablecoins they use are fully backed by fiat currency, held in regulated or well audited accounts and issued by entities subject to oversight.”
Scaling savings without operational disruption Regulatory frameworks evolving to support legitimate stablecoin operations make implementation complexity the final business consideration.
Measurable benefits without complete system replacements mark stablecoins’ most attractive characteristic for enterprise adoption. Integration with existing business infrastructure
32 October 2025