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Fireblocks, Stripe Race to Build Global Stablecoin Rails Now

Fireblocks launches global compliant stablecoin payment network as Stripe unveils Tempo L1 to enable fiat‑denominated, real‑time cross‑border stablecoin payments

  • Fireblocks launched a global stablecoin payment network to simplify compliance and connectivity for firms.
  • Stripe incubated a new layer-1 blockchain called Tempo, built for stablecoin transactions and payments integration.
  • Fireblocks says its network links firms to more than 40 pre-vetted providers across 100 countries to address banking, liquidity, and compliance gaps.
  • The fiat-pegged stablecoin market cap reached $281.2 billion, and stablecoin payment volume hit $94 billion, driven by B2B and card-linked payments.
  • New rails will compete with legacy payment firms such as VISA and Mastercard, and crypto-native players like Ripple and Stellar.

Fireblocks on Wednesday announced a global stablecoin payment network aimed at compliance and cross-border connectivity, while Stripe CEO Patrick Collison unveiled a new layer-1 blockchain called Tempo for stablecoin transfers. The moves target faster, compliant stablecoin money movement for corporate clients and payment services.

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According to Fireblocks, companies face a patchwork of banking, liquidity and compliance partners that hinders scaling; the firm says its network connects businesses to more than 40 pre-vetted providers across 100 countries. The overall market for fiat-pegged stablecoins stood at $281.2 billion, according to DefiLlama (https://defillama.com/pro/273u66516t69d7m).

Ran Goldi, Fireblocks senior vice president of Payments and Network, described the network as focused on interoperability and compliance, saying “programmable, compliant, real-time money movement,” in a company post (https://x.com/FireblocksHQ/status/1963594181508526583). Stripe said Tempo targets gaps in existing blockchains; Collison wrote that fees should be denominated in fiat that makes sense to users and noted “For example, it’s valuable for real-world financial applications that fees be denominated in a fiat currency that makes sense to the user, but existing blockchains denominate their fees in blockchain-specific tokens,” and added “We think of Tempo as the payments-oriented L1, optimized for high-scale, real-world financial services applications,” (https://x.com/patrickc/status/1963638753752420407).

Stablecoins are fiat-pegged digital tokens; they can act as programmable money by embedding rules into smart contracts, which can reduce friction and counterparty risk. Cross-chain work has advanced: in September 2023, cross-chain bridge Wormhole integrated Circle’s Cross-Chain Transfer Protocol to move USD Coin across four blockchains.

New payment rails will face competition from incumbent processors like Visa and Mastercard, crypto firms such as Ripple and Stellar, and interest from banks including JPMorgan Chase and Citigroup. Data from Artemis shows stablecoin payment volume reached $94 billion, led by B2B and card-linked stablecoin uses.

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