Running a successful stablecoin payouts operation across Europe

I've spent most of my career in payments — Mastercard, Square, OKX. Across all three, one thing held: businesses don't care about the technology moving their money. They care whether it arrives on time, without excessive fees or FX slippage.

Businesses in e-commerce, forex and proprietary trading already use Confirmo to send mass stablecoin payouts instead of routing through correspondent banking. In Europe, flows across supplier payments, trading wins, as well as contractor and creator payouts run on rails that settle in minutes instead of days – all under Confirmo's MiCA CASP and PSD2 Payment Institution authorisations from the Central Bank of Ireland, passported across the EEA.

What the volume actually looks like

Coverage of stablecoins in Europe tends to focus on regulation — MiCA deadlines, licensing announcements, providers exiting the market. Businesses ask us about that too: our licences, our regulatory standing, how we're supervised. But that's only half the conversation. The other half is operational: how fast does a payout clear, what happens if something fails at 11 pm on a Friday, how does this reconcile on the books, can an auditor follow it.

Those questions get subtly answered every month, across industries across e-commerce, forex, and proprietary trading, and more.

The market has already moved

B2B payments were the largest share of stablecoin activity last year: $226 billion, according to research from McKinsey and Artemis. Against total global payment volumes that is still about 0.02%, which is why it rarely reaches mainstreamthe news. The growth is coming from usage rather than speculation, concentrated in cross-border payments, where traditional rails are slowest and most expensive.

For the businesses we work with, the case comes down to three factors:

One regulated entity, access to the entire EU. Our authorisation carries EEA passporting rights: a business in Lisbon and a business in Helsinki operate under the same terms, with no separate local registrations required.

Regulatory standing that holds up. Payroll runs, supplier payments, high-volume trader settlements — every flow carries the same standing as any licensed payment institution, not a workaround that invites later questions.

Infrastructure already proven at scale. This runs today, in production, for hundreds of businesses. That's a different claim than "it works in a pilot."

The businesses adopting this now aren't taking an early bet. They're closing a gap their competitors have already closed.

What changed in these conversations

Conversations with EU finance leads used to centre on whether stablecoins were legitimate. That question is largely settled. What's left is implementation: speed, compliance, fit with existing finance processes.

If your business is still routing cross-border payments through correspondent banking and absorbing the FX cost, I'd like to understand what that setup looks like and where it's creating friction.

Reach out to me directly to discuss alternative solutions.