Move your payments business onto stablecoin rails.
We help PSPs, merchants and remittance companies design and execute stablecoin settlement strategy. We advise. We do not sell software.
- Built for
- PSPs and acquirers
- Merchants and platforms
- Remittance and cross-border
- Banks, selectively
Stablecoin settlement is a board question. Most teams are sold an answer before the question is scoped.
Vendors pitch their rail as your strategy
Every issuer, gateway and infrastructure provider recommends the stack they sell. None of them will tell you when a competitor fits your flows better, or when the right answer is to wait.
Regulation changes the design
MiCA, the GENIUS Act and the UK regime set different rules on issuers, reserves and payment services. A settlement design that works in one market can be non compliant in another. The regulatory posture must be decided before the architecture, not after.
The map is missing
Issuers, custodians, on and off ramps, orchestration layers and licensed partners form a crowded, fast moving market. Internal teams rarely have a current, neutral map of who does what and at what cost.
From board question to executable plan
Scope
Define the settlement use case and the money flows it changes: merchant settlement, cross border payout, treasury, or acceptance.
Map
Evaluate rails, issuers, custodians and off ramps against your volumes, corridors and licences. Named options, real costs.
Decide
A written recommendation with costs, risks and the regulatory posture per market. Facts separated from judgment.
Execute
Vendor selection support, negotiation input and an implementation plan your own team can run.
Three ways to get this advice
| Criteria | Infrastructure vendor | Large consultancy | North Settlements |
|---|---|---|---|
| Whose product gets recommended | Their own rail, by design | Neutral, within their partner network | Whatever fits your flows. We sell nothing else |
| Who does the work | Sales engineering teams | Project teams, seniority varies | The principal, an operator who has built payment businesses |
| What you receive | An integration plan for their product | A broad report and a large invoice | A decision: named vendors, costs, risks and a plan your team runs |
Independent analysis, no product behind it
Stablecoin payments for business: the complete guide
The market data with sources, the five use cases that actually work, the cost benchmarks, the regulation, and the honest limits.
Stablecoin settlement for PSPs: where the margin actually comes from
The three-line margin model: float, correspondent fees and weekend gaps, with the sizing formula to run on your own book.
GENIUS Act compliance for payment companies
Most payment companies are not issuers, and the Act treats them differently. What actually applies to you, and when.
Before you book
Do you sell or implement software?
No. North Settlements is an advisory firm. We take no commissions from vendors and hold no stake in any rail, issuer or gateway we evaluate. Our only client is you.
Which regulations do you cover?
The three regimes that matter for most payment companies. MiCA in the EU, including the e money token rules and the PSD2 requirements that applied to EMT payment services from 2 March 2026. The US GENIUS Act, signed 18 July 2025, with implementing rules proposed in August 2026. The developing UK framework under the FCA. We are advisors, not lawyers, and we work alongside your counsel.
How are engagements priced and how long do they take?
Fixed fee per engagement, scoped in writing before work begins. No day rates that reward slow work, and no percentage of vendor contracts. A scoping engagement typically runs two to four weeks; a full strategy through vendor selection runs eight to twelve, depending on the number of markets and rails in scope.
How do we start?
Book an intro call. We ask about your payment flows, volumes and markets, and tell you honestly whether an engagement makes sense. If it does not, we say so on the call.