Scale at Speed™
English (Global)
French (Canada)
Abstract
For a long time, the conversation around financial services has centered on making payments faster, more efficient, and easier to access. That conversation is now starting to evolve. As stablecoins gain momentum and value becomes programmable, institutions have an opportunity to look beyond transactions and rethink how liquidity, settlement, and financial operations are managed across ecosystems.
In this Everest Group whitepaper, supported by Tech Mahindra, we examine why stablecoins are moving into the financial mainstream, where enterprise adoption is beginning to take shape, and what it will take to scale these models responsibly. The report also explores the growing role of AI, interoperability, and trust in enabling the next phase of financial innovation.
Key Insights
Programmable Money Beyond Payments
How stablecoins are evolving from digital payment instruments into components of enterprise-grade financial infrastructure.
Enterprise Use Cases Taking Shape
Where programmable money could support cross-border payments, treasury operations, liquidity management, settlement, and multi-party workflows.
The Path Toward Autonomous Finance
How AI, agentic systems, and programmable value are converging to enable more intelligent and event-driven financial operations.
An Evolving Digital Value Ecosystem
How stablecoins fit alongside tokenized deposits, central bank digital currencies, payment networks, and emerging digital value platforms.
The Foundations for Enterprise Adoption
Why interoperability, governance, compliance, operational resilience, and trust will be critical to scaling beyond isolated pilots.