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Future of Payments
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Correspondent banking6.36% average cost
- SenderPays in cash or from a bank
- Sending bankConverts at its own rate
- Correspondent banksOne or more hops, each with fees
- Receiving bankCredits in local currency
- Family1 to 5 business days later
Stablecoin railCost depends on the two ramps
- SenderFunds from a card or bank
- On-rampBecomes digital dollars
- BlockchainSettles in seconds, 24/7
- Off-rampLocal currency or a bill paid
- FamilyUsually the same day
Source World Bank Remittance Prices Worldwide (global average for $200, Q3 2025); BIS and FSB cross-border payments reports.
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