Brussels-based Venly Finance launched a settlement API on November 12, 2026, built to link conventional banking payment systems with blockchain-based stablecoin networks. The service lets businesses accept payments in traditional currencies and then disburse funds in stablecoins across multiple blockchain networks, targeting the settlement delays and operational friction that characterize international payments.

The Finance API is aimed at digital marketplaces, global software-as-a-service (SaaS) companies, and payment providers that collect revenue in fiat currencies while compensating suppliers, contractors, and business partners across international markets.

On the inbound side, the infrastructure supports collections through the Automated Clearing House (ACH) network in the United States, the Single Euro Payments Area (SEPA) in Europe, and the United Kingdom's Faster Payments system. For outbound transactions, businesses can distribute funds in USDC, EURC, USDT, and USDS across Base, Polygon, Avalanche, and Ethereum.

By automating the collection, conversion, and distribution of payments between traditional banking systems and multiple blockchain networks, the API could reduce settlement times from several business days to minutes.

How the Fiat-to-Stablecoin Settlement API Works

The platform operates as an intermediary infrastructure layer connecting conventional banking networks with blockchain-based payment systems. Businesses can integrate the API into their existing financial applications, receive fiat payments, and either retain the funds or convert them into stablecoins for blockchain-based distribution.

Its multi-chain architecture allows businesses to select among Base, Polygon, Avalanche, and Ethereum depending on transaction requirements and network costs, giving payment providers greater control over how funds move between customers, businesses, and international recipients.

The process is designed to run programmatically, reducing the need for manual treasury management during routine payment operations. As an illustration, a company collecting payments from customers in the United States could distribute USDC to a developer in Germany without routing through several correspondent banking intermediaries, with the recipient receiving the payment within minutes rather than waiting through conventional international banking settlement cycles.

Faster Settlement Could Improve Business Liquidity

Traditional international transfers frequently pass through multiple financial institutions, creating delays and additional processing costs. Depending on the payment route, cross-border transactions can require three to five business days to complete.

Those delays can force businesses to hold extra working capital to cover supplier payments, contractor compensation, and other financial obligations. Venly's infrastructure aims to reduce this requirement by connecting fiat collections with blockchain-based stablecoin distributions, allowing companies to deploy available capital more efficiently instead of maintaining large cash reserves to accommodate payment delays.

The launch also reflects the expanding role of stablecoins in corporate financial operations. Unlike conventional cryptocurrencies, stablecoins such as USDC, EURC, USDT, and USDS are designed to maintain relatively stable values through their respective backing and stabilization mechanisms.

Stablecoin Infrastructure Gains Institutional Momentum

Venly's debut arrives amid increasing adoption of blockchain-based settlement systems by established financial and payment companies. In October 2024, Stripe introduced native stablecoin payment capabilities for U.S. businesses. In May 2026, Visa expanded its stablecoin settlement infrastructure to include the Monad blockchain, building on its existing support for USDC settlement through Solana.

These developments indicate growing interest in using blockchain networks for commercial payments rather than limiting stablecoins to cryptocurrency trading and decentralized finance applications. Venly's approach addresses another part of this transition by providing an integration layer between domestic banking systems and multiple stablecoin networks.

Businesses Must Consider Compliance and Treasury Management

Despite the potential efficiency improvements, implementing stablecoin settlement infrastructure requires businesses to weigh several operational considerations. Finance departments must determine which payment streams can be converted into stablecoins, select appropriate currencies and blockchain networks, and establish suitable custody arrangements.

Companies must also account for know-your-customer and know-your-business requirements, cross-border regulatory obligations, and the accounting treatment of digital asset transactions. Stablecoin transactions must be incorporated into existing financial reporting systems to maintain accurate reconciliation and audit records.

Integrated Financial Platforms Offer an Alternative

Businesses seeking broader financial management capabilities may consider integrated platforms such as OneSafe. The company provides fiat and cryptocurrency financial services, including multi-currency accounts, corporate cards, and blockchain asset custody supported by Fireblocks. OneSafe has reported processing more than $800 million in transaction volume for over 1,000 businesses across more than 30 countries.

Unlike a standalone settlement API, an integrated financial platform combines several banking and digital asset functions within a single operating environment. The choice between the two approaches depends on whether a business prefers customized infrastructure or a consolidated financial management service.

Regulatory Developments Remain Important

The expansion of stablecoin payment infrastructure will also depend on regulatory developments in major financial markets. Europe's Markets in Crypto-Assets (MiCA) framework provides a regulatory structure for digital asset service providers, while U.S. stablecoin legislation and implementation requirements remain important considerations for businesses operating across borders.

With its integration of ACH, SEPA, and UK Faster Payments alongside four stablecoins and four blockchain networks, Venly is positioning its API as infrastructure for businesses seeking faster and more flexible international payment settlement. The launch highlights a broader shift in financial technology, where the ability to connect conventional currencies, compliance systems, and blockchain settlement networks is becoming increasingly important for global businesses.

Source: CoinTrust