Merge Blog

The integration of traditional banking infrastructure with blockchain technology has created stablecoin payments orchestration, an unprecedented opportunity for enhancing cross-border payments through improved efficiency, reduced costs, and faster settlement times. At the heart of this transformation are local payment rails, which serve as the essential infrastructure connecting conventional financial systems with emerging stablecoin technologies. This report examines the critical importance of local payment rails, their function within the "stablecoin sandwich," and why they represent the vital link in revolutionizing international payments for businesses and financial institutions worldwide.

The digital asset liquidity landscape has evolved beyond traditional market-making paradigms, necessitating a new taxonomy that reflects the complexity and adaptive nature of the digital asset ecosystem. Our team has constructed a market map that illustrates how modern LPs operate across multiple layers simultaneously, enabling a better understanding of market structure and competitive dynamics.

This is a detailed report on the Markets-in-Crypto-Assets' (MiCA) regulatory framework and regulation b that has been implemented in the EU. This report provides businesses with a comprehensive understanding of how to navigate what MiCA means for the digital assets industry and how businesses need to adapt to its compliance requirements.

Banking sub-accounts are a next-generation financial solution designed to streamline and accelerate global payments and banking operations for businesses.

Virtual IBANs are digital account numbers that can be used to send and receive payments globally, without the need for a physical bank account. Functioning essentially as subledgers within a traditional bank's demand deposit account (DDA), virtual accounts divide and organise bank data.

From traditional banks to modern financial institutions, there is a surge in integrating AI capabilities, anticipating that the global investment in AI for the FinTech space could hit $22.60 billion by 2025.