Updates from Centiglobe

How much of your capital is sitting idle in prefunded accounts around the world? For banks and payment service providers (PSPs), ensuring liquidity is available across markets has traditionally meant maintaining prefunded balances with multiple banking partners. Capital is committed to individual markets, often sitting unused while it could be supporting payments or business growth elsewhere. And the cost goes beyond the capital itself. Multiple accounts bring operational com

The Current Limitations of Stablecoin Payments Stablecoins are gradually gaining share in global payments, but transaction volumes are still relatively limited. Relatively few banks and payment service providers (PSPs) actually take stablecoins onto their balance sheets as part of a payment. Instead, the off-ramp usually happens in another jurisdiction, such as the US or the UAE. There, a third-party provider converts the stablecoins into USD fiat and ensures the funds are pa

For decades, global payments have relied on two successful types of networks: SWIFT for financial messaging between banks, and card networks such as Visa and Mastercard for consumer and merchant payments. Both solved fundamental problems. SWIFT connected banks across borders through standardized messaging. Visa and Mastercard created global card acceptance and enabled digital commerce at enormous scale. Both have evolved considerably, but their foundations reflect the jobs th

When we partnered with FinanceX Magazine on The Real Pace of Change, our survey of more than 50 senior payments executives, I wanted to know whether the intense public conversation about cross-border payments, new rails, stablecoins, tokenized deposits, everywhere you look in the media and at conferences, matches what the people who actually make these infrastructure decisions are doing. The honest summary is that it doesn't, quite. The gap between the two is what this post i

Centiglobe had a chat with Panagiotis Kriaris – fintech leader, payments thinker, and Head of Corporate & Business Development at Unzer – to get straight answers on the structural issues the industry keeps talking around. – We tend to treat cross-border payments as a speed and cost problem. And although this is true, it is the outcome and not the cause. The real structural problem is coordination. Today a transaction has to pass through multiple jurisdictions, currencies, com

A quick explainer on how stablecoins, single-bank tokenized deposits, and network-based tokenized deposits differ, and why that matters for cross-border payments. Not all token-based settlement models solve the same problem. For banks and payment providers, the most useful comparison today is stablecoins versus single-bank tokenized deposits versus network-based tokenized deposits. They are built differently, operate under different structures, and matter in different ways fo

Writer Sofi Håkanson Chief Growth Officer Blockchain-based payments are moving rapidly into the financial mainstream, largely driven by recent regulatory developments such as MiCA in Europe and the GENIUS Act in the United States. For many countries, the technology promises faster cross-border payments, lower costs, and more efficient global trade. But for emerging market economies, this innovation also creates a difficult policy dilemma. Most blockchain-based payment models

The debate around stablecoins versus tokenized deposits, and private versus public blockchain networks, continues to play out across media, panels, and industry forums worldwide. Both stablecoins and tokenized deposits offer different ways to move value across borders using tokenization and blockchain technology, each with clear strengths and trade-offs.

Each year brings new energy into cross-border payments, but 2026 stands out as a year where infrastructure choices start to outweigh experimentation. Across banks, PSPs, corporates, and regulators, the direction is converging: faster settlement, greater transparency, and improved capital efficiency – without stepping outside trusted financial frameworks. Here are the shifts we believe will define the year ahead: 1. Tokenized deposits move from pilots to production Tokenized d

Financial innovation often comes with hype – and stablecoins are no exception. While they promise faster, cheaper payments, their private issuance and conversion costs make them a shaky foundation for global finance. Tokenized deposits, on the other hand, combine the reliability of traditional banking with the efficiency of blockchain infrastructure. Built within regulatory frameworks, they deliver the speed, trust, and transparency needed for modern cross-border payments.

Download our latest white paper to see how interoperability unlocks new growth opportunities. Centiglobe’s white paper lays out a roadmap for how banks and PSPs can lead in this environment by forming peer-to-peer partnerships through a single API, rather than relying on costly correspondent networks. 3 takeaways: • Fragmentation demands interoperability between traditional and modern rails • API-driven networks enable institutions to cross-sell services and open new revenue

In the latest edition of FinanceX Tech Magazine, Sofi Håkanson, Centiglobe, explores how global payments are evolving from legacy correspondent banking toward decentralized, tokenized infrastructures. This shift opens doors for forward-thinking institutions to deliver instant, secure, and cost-effective cross-border transactions. Beyond technology, it’s fueling financial inclusion, greater transparency, and broader opportunities for growth. At Centiglobe, we’re proud to be fr