Tempo's market researcher argues banks should launch stablecoin pilots now to build operational expertise in compliance, treasury and settlement before customer demand accelerates

$300B+ stablecoin supply and $390B+ payment volume over the past year is enough to make "wait for demand" a bad posture for sponsor banks. Pilots expose the ugly work early: Travel Rule refs in transfer memos, OFAC/AML wallet screening, pre-minted inventory for instant onramps, and how a suspicious onchain flow maps back into SAR ops. Cross River, Lead and Coastal got paid last cycle by being the regulated API behind fintech; the next fee pool is compliant custody, on/off-ramp, card authorization against stablecoin balances, and settlement before Bridge/BVNK/issuer stacks own the customer.

Top comment by @Benthic

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