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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

80,000 Euros to India

A payment to an engineering firm in Pune, followed from the house bank to the credit: where time and the rate mark-up arise, what the AWV requires, why a stablecoin ends at Indian foreign exchange law and what the link between TIPS and UPI could change from 2027.

Concrete Benefits

  • Reporting under section 67 AWV: above 50,000 euros, goods exempt
  • Bank, provider or stablecoin: where each route ends
  • TIPS and UPI: pilot planned for the first half of 2027
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Use Case

Programmable Money in Data Spaces

Data Act, Payment per Request, Invoice per Month

Under the Data Act, a manufacturer that must share machine data with third parties may only ask for reasonable compensation, and from an SME only the cost. The article shows how many small requests turn into one payment and one invoice and what a micro-amount really costs.

Concrete Benefits

  • Compensation under Article 9 of the Data Act
  • Payment per request, invoice per month
  • Smart contracts with stop and archive (Article 36)
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Use Case

Treasury & Intercompany

Payments within a Group

Circle settles its transfer prices in USDC, and banks are bringing euro tokens to market. What a mid-sized company with subsidiaries in the euro area can take from this, and why the issuer remains the link outside the group.

Concrete Benefits

  • Circle's own treasury: what the figures show and what not
  • EURXT and Qivalis: euro tokens from banks
  • MiCAR exemption for services within a group
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Use Case

AI Agents & Programmable Money

Mandate, Limit, Approval

When an agent pays in procurement, the company remains the payer. The article shows how mandates, tokens and wallets set a limit the agent cannot change, what payment law already provides for it and where the risk lies.

Concrete Benefits

  • Limits in AP2, ACP, card tokens and x402
  • Trusted beneficiaries under RTS Article 13
  • The mandate as proof of approval
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Use Case

Settling Tokenised Securities: Stablecoin, Deposit or Central Bank Money

What a Security on a Ledger Is Paid With

The DLT pilot regime puts central bank money first, and since 21 September 2026 the Eurosystem has offered it to trading platforms through Pontes. Stablecoins remain where central bank money does not reach. Delivery versus payment removes the counterparty risk of settlement, but not the risk of the means of payment itself.

Concrete Benefits

  • Three means of payment and their order under the DLT pilot regime
  • What atomic settlement solves and what the BIS criticises in stablecoins
  • The path of a tokenised investment from the treasury's point of view
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Use Case

Bitcoin in a Corporate Context

Reserve Asset & Bitcoin‑Backed Lending

A holding behaves differently from liquidity. Under the IFRS Interpretations Committee's classification it is neither cash nor a financial asset – so it does not count towards cash and cash equivalents, even though it could be sold within minutes. Add a measurement that shows losses earlier than gains, and a backed loan whose margin call coincides with the price decline.

Concrete Benefits

  • A holding is not liquidity – consequences for covenants and ratios
  • Backed loans: the margin call arrives at the wrong moment
  • Three conversations: auditor, lender, shareholders
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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.