In 2025, liquidity management has become the key challenge for CFO. Banks are tightening compliance, restricting operations in certain jurisdictions, and increasing the cost of international transfers. At the same time, stablecoins digital assets pegged to the US dollar or euro, are gaining strength in the market, enabling 24/7 settlements with minimal fees.
Banks: Reliability With Restrictions
Traditional banking infrastructure remains the foundation for storing funds and maintaining financial reporting. However, CFO increasingly face limitations: international transfers cost 2–5%, take 1 to 5 business days, and account freezes at a regulator’s request can make liquidity inaccessible at critical moments.
Stablecoins: Flexibility and Speed
Unlike bank transfers, stablecoins allow companies to:
- transfer millions of dollars within minutes,
- pay less than $50 in fees for large transactions,
- operate directly without intermediaries,
- automate payouts through smart contracts.
For CFO, stablecoins are a crisis management tool for liquidity, one that works where the banking system stalls. Still, risks remain: dependence on the issuer, reserve quality, and regulatory discrepancies across jurisdictions.
CFO Reality: A Hybrid Strategy
In practice, more financial directors are adopting a mixed model: banks are used for storage and auditing, while stablecoins are used for international B2B payments, quick contractor settlements, and liquidity diversification. Research shows that by 2025, one in five Fortune 500 CFO had integrated stablecoin solutions into treasury operations, most often through licensed PSP.
Regulatory Shifts
- The EU MiCA regulation has taken effect, defining rules for stablecoin issuers.
- In the US, discussions are underway on recognizing stablecoins as digital deposits.
- In Singapore and Hong Kong, PSP have already obtained licenses for corporate stablecoin settlements.
The total stablecoin market cap has surpassed $150B, effectively making them the “digital dollar” of global payments.
ABF Pay: The CFO Third Path
Under the new rules, CFO need not just technology but a trusted partner. ABF Pay combines the strengths of both banks and stablecoins by offering:
- multi-currency accounts (EUR, USD, GBP, CHF, AED, USDT, USDC),
- automated KYC/AML and MiCA compliance,
- integration with ERP and accounting systems,
- institutional-grade asset protection: multi-signature, custody, insurance.
ABF Pay transforms stablecoins from an “alternative” into a managed component of corporate liquidity. CFO gain transparency and control while keeping access to funds at any moment.
Conclusion
The CFO choice in 2025 is not reduced to the dilemma of “bank or crypto.” The winners are those who can combine both approaches: banks for stability and reporting, stablecoins for speed and liquidity rescue.
ABF Pay becomes the bridge in this strategy, helping businesses keep liquidity under control and turn it into a competitive advantage.
