Building a Next-Generation Global Payments Network with Stablecoin Payments

Client Overview

The client is an enterprise-grade digital financial network serving global markets, focused on improving payment efficiency and capital flow in cross-border trade through stablecoin technology. As the platform continued to expand its global payments network, it placed increasing emphasis on fund security, regulatory compliance, and operational efficiency.

Business Challenges

• Fund security and custody barriers: As a B2B platform managing tens of millions of dollars in client funds, building an in-house wallet infrastructure would introduce single points of private key failure and make it difficult to pass compliance and due diligence reviews required by institutional investors.

• Unpredictable on-chain costs: In cross-border payment scenarios, on-chain gas fees directly affect profit margins. In addition, efficiently consolidating assets from a large number of sub-addresses into a main account introduces significant and unpredictable on-chain costs at scale.

• Operational and reconciliation complexity: Traditional wallet systems rely heavily on manual reconciliation, fund distribution, and exception handling, limiting the finance and operations teams’ ability to support rapid business growth.

Cobo’s Solution

The client selected Cobo’s stablecoin payments solution and integrated three core modules via APIs. Together, these modules enabled the platform to build a scalable payment ecosystem across cost control, market expansion, and value-added services.

Solution Architecture Overview

Results and Impact

Performance Comparison

Additional Value Delivered

• Simplified pricing model with lower operating costs: Cobo adopts a lightweight, fixed-percentage fee model denominated in USD, helping clients avoid gas fee volatility, blockchain parameter configuration, and operational complexity. With automated fee deduction, clients no longer need to maintain balances of native chain tokens, significantly simplifying fund management and reducing hidden OpEx.

• Multi-chain support to speed up global expansion: Cobo’s Payments API supports more than 10 major public blockchains, enabling rapid deployment on low-cost, high-efficiency networks such as Tron and Solana. By reducing technical integration effort and cross-chain adaptation time, clients can shorten go-to-market times and quickly capture opportunities in emerging markets.

• Compliant yield generation to unlock additional value: For idle client funds held in custodial accounts, Cobo provides access to compliant yield-generating products. Under strict regulatory and risk controls, unused capital can be efficiently allocated into interest-bearing strategies, creating a stable incremental revenue stream while improving overall capital utilization.