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Use Cases

Concrete scenarios where digital money already creates measurable value today – from cross‑border payments and data spaces to intercompany processes and AI agents in the emerging machine economy.

Overview of use cases

Use Case

Cross‑Border Payments

Faster, more predictable, more transparent.

For mid‑market companies, cross‑border payments are often slow (T+2–T+5), hard to predict (correspondent fees + FX spread) and difficult to track. Modern rails and blockchain‑based settlements with stablecoins reduce settlement times to hours or T+0, make all‑in costs more transparent and enable 24/7 operation.

Concrete Benefits

  • Speed: hours to T+0 instead of T+2–T+5
  • Cost transparency: separate fees + visible FX spread
  • Predictability: 24/7 operation, clear tracking, fewer enquiries
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Use Case

Programmable Money in Data Spaces

Pay‑per‑Use, Pay‑per‑Part, Micropayments

In industrial data spaces, machine and service data can be traded as digital assets. Smart contracts enable automated payment flows: pay‑per‑use, pay‑per‑part, pay‑per‑outcome and micropayments for data and services become economically viable.

Concrete Benefits

  • Automated settlement without manual intervention
  • Micropayments in the cent range become viable
  • New business models in industrial data spaces
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Use Case

Treasury & Intercompany

Real‑time liquidity management

Blockchain‑based payment rails enable real‑time liquidity shifts between group entities, without classic SWIFT delays. Intercompany flows become more transparent, bank fees decrease and cash‑pooling concepts can be re‑designed.

Concrete Benefits

  • Intercompany payments almost in real time
  • Transparent group‑wide liquidity overview
  • Reduced bank fees for internal transfers
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Use Case

AI Agents & Programmable Money

Machine economy with budgets and approvals

As AI agents (e.g. remote operators or procurement assistants) become more widespread, a machine economy emerges where systems autonomously identify and trigger services. To unlock their full potential, agents need controlled access to payment instruments – embedded in budgets, approvals and ERP workflows.

Concrete Benefits

  • Agents can discover and request services in data spaces
  • Smart contracts trigger payments automatically
  • ERP governs budgets, approvals and accounting
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Use Case

Stablecoins as Settlement Layer for Tokenised Assets

On‑chain Settlement for On‑chain Assets

When assets such as securities, real estate shares or commodities exist in tokenised form on a blockchain, it makes technical and operational sense to settle transactions on‑chain as well. Stablecoins enable precisely that: they act as digital payment instruments within the same ecosystem, making traditional fiat bridges unnecessary.

Concrete Benefits

  • Atomic settlement: payment and delivery in one step (DvP)
  • Reduced complexity through unified on‑chain settlement
  • Faster processing without media breaks to legacy banking systems
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Use Case

Bitcoin in Corporate Context

Reserve Asset & Bitcoin‑Backed Lending

Bitcoin is increasingly evolving from a speculative asset into a serious strategic reserve – also for corporations. Two relevant use cases are emerging: Bitcoin as a reserve asset for treasury diversification, and Bitcoin‑backed loans that provide liquidity without forcing a sale. Both approaches require clear governance, custody concepts and a solid understanding of volatility and risk.

Concrete Benefits

  • Bitcoin as reserve asset: diversification & long‑term store of value
  • Bitcoin‑backed loans: liquidity without sale, mind tax implications
  • Prerequisites: professional custody, clear governance & risk management
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Note: The described use cases are illustrative and do not replace tailored advice. They are intended to help develop initial ideas and priorities for pilot projects.