B2B Stablecoin Payments That Settle in Minutes and Spend Instantly

If you work with international suppliers, contractors, or vendors, you know the drill when it comes to settling invoices: send the payment, and wait.

It can take more than five business days for funds to move from payer to payee, slowing down production, straining supplier relationships, and tying up capital.

This isn’t a niche problem, and the stakes are only getting higher. Cross-border spending topped $194 trillion in 2024, and is projected to increase to $320 trillion by 2032.

The economy is changing, and our payment rails need to adapt. As supply chains, labor markets, and commerce become more global, consumers and businesses need infrastructure that will support operations and make payments efficient, cheap, and fast.

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The future is programmable payments with instant settlement

Now picture this: a payment is automatically triggered, initiated, and settled in minutes. Suppliers are paid and production begins the same day. Built‑in payment logic and real‑time settlement come with big upsides for businesses:

• Working capital gets deployed instead of sitting in transit.
• Manual processes are cut out when payment logic is milestone‑based.
• Reconciliation is faster because the status is visible in real-time.
• Supplier relationships are stronger when payments arrive on time, every time.

Real‑time rails are no longer niche. There were 266.2 billion real‑time transactions in 2023, up 42.2% from 2022, a sign that instant movement of funds is becoming standard infrastructure.

What’s powering programmable payments? Stablecoins.

Stablecoins move across decentralized, always-on networks that settle in minutes without the friction of banking hours or cross-border intermediaries. That speed and availability unlock the power of programmable logic and instant confirmation, meaning payments move from initiation to completion in fewer steps.

There is a catch, though. Instant settlement doesn’t guarantee instant spend.

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Instant settlement still isn’t instant spend

Stablecoin‑powered payments remove intermediaries and clear quickly, but they typically require both parties to hold and use crypto. If a supplier needs to off‑ramp to fiat before spending, you just cut one delay to create another.

This is where Rain’s card issuance comes in. With Rain, recipients don’t have to manually convert from stablecoins to fiat or wait on banking windows. Funds can be loaded onto a Rain‑issued card that operates over the Visa network, allowing suppliers to spend immediately at more than 150 million merchant locations worldwide. That means raw materials, freight, fuel, per diem, and incidentals can be paid right away—no separate off‑ramp step required.

When recipients can use funds instantly on the rails they already rely on, stablecoin‑powered B2B payments stop being a workflow change and start being a straightforward upgrade. This is where adoption happens, and it’s happening now.

Rain partnered with Nuvei to launch a comprehensive blockchain‑based payment solution for merchants across Latin America. The solution includes stablecoin payment rails for faster cross-border settlement and integrated Visa-accepted cards for merchants, making the stablecoins instantly usable.

What Rain brings to the table

Rain was built to power end‑to‑end, instant‑spend B2B flows. It comes in one package, no patchwork-assembly required. Core capabilities include:

• Fiat onramps via ACH, wire, or SWIFT with conversion to stablecoins and funding to an enterprise wallet.
• Wallet infrastructure to store, manage, and access stablecoins
• Programmable cross‑border transfers via API, with real‑time status and rich metadata for audit and reconciliation.
• Integrated compliance (KYC/AML) embedded in the flow.
• Immediate spendability through Rain‑issued physical and virtual cards that your recipients can use anywhere Visa is accepted, reaching more than 150 million merchant locations globally.
• Local‑currency offramps to bank accounts when cash settlement is required.
• Flexible custody models (custodial or non‑custodial) to match recipient preferences and your risk posture.

Because these services live in one stack, there are fewer hand‑offs and fewer friction points.

With Rain, the benefits flow to everyone:

• CFOs gain predictable cash flow and faster closes.
• Supply chain leaders see fewer holds and faster release of goods.
• Finance and compliance teams work from a single source of truth, not a maze of spreadsheets.
• Vendors and contractors get paid and can spend immediately, which improves delivery timelines and satisfaction.

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The bottom line

Slow settlement drains time and goodwill. And without instant spend at the edge, even fast payments can stall real‑world operations.

Rain delivers both: real‑time, programmable cross‑border settlement and immediate spendability with a globally accepted card. If you’re ready to shorten cash cycles, strengthen supplier relationships, and let your money move like water instead of wading through puddles, we should talk.