SUNRATE, a global payment and treasury management platform, has launched a new white paper in association with FXC Intelligence titled "AI and Stablecoins' Transformation of the Global B2B Payments Experience." Unveiled at the Singapore FinTech Festival 2025, the report details how the convergence of artificial intelligence, stablecoins, and blockchain is automating and redefining the business payment landscape on a global scale.
Quick Intel
SUNRATE's new white paper analyzes the impact of AI and stablecoins on B2B payments.
The B2B cross-border payments market is projected to reach $47.8 trillion by 2032.
AI is entering a "performance phase," delivering 2x-3x productivity lifts in treasury functions.
Stablecoins are accelerating cross-border flows, especially in emerging markets.
Blockchain technology is being used for on-chain KYC and tokenized deposits.
The future treasury is shifting from an operational to a supervisory role.
The Convergence of Transformative Technologies
The white paper identifies that while 2024 was the year of AI hype, 2025 has marked a turning point for recognizing the practical opportunity of stablecoins in payments. These technologies are not wholly replacing existing systems but are being integrated to create a more efficient unified experience. As Paul Meng, Co-Founder and CEO of SUNRATE, stated, "SUNRATE aims to integrate traditional and decentralised technologies under a trusted regulatory environment, delivering a unified global payment experience."
Key Insights on AI, Stablecoins, and Blockchain
The report highlights that AI is moving beyond speculation into a "performance phase," where AI agents are already generating real-time market intelligence and boosting productivity. Simultaneously, stablecoin adoption is accelerating, though unevenly, providing material benefits in higher-friction emerging markets where traditional rails are less efficient. Furthermore, blockchain's application is extending beyond currency to areas like on-chain KYC and reconciliation, potentially eliminating month-end mismatches and creating a single source of truth.
The Emergence of the Supervisory Treasury
A central vision of the paper is the evolution of the corporate treasury from an operational unit to a supervisory one. With real-time settlement becoming a baseline expectation, CFOs will increasingly interact with AI assistants that handle the entire payment execution process—from choosing infrastructure and negotiating FX to confirming the transaction on a blockchain—all within minutes. This shifts the human role to oversight and strategic decision-making.
The launch of this white paper solidifies SUNRATE's position at the forefront of payment innovation. By detailing the practical integration of AI and digital assets, it provides a clear blueprint for how businesses can navigate the transition to a more automated, efficient, and intelligent global payments ecosystem, fundamentally changing the role of finance professionals.
About SUNRATE
SUNRATE is a global payment and treasury management platform for businesses worldwide. Founded in 2016, SUNRATE has been recognised as a leading solution provider and has enabled companies to operate and scale both locally and globally in 190+ countries and regions with its cutting-edge proprietary platform, extensive global network, and robust APIs.
With its global business headquarters in Singapore and offices in Hong Kong, Jakarta, London, and Shanghai, SUNRATE partners with the top global financial institutions, such as Citibank, Standard Chartered, Barclays, J.P. Morgan. SUNRATE is also the principal member of Mastercard, Visa, and UPI.
TechIntelPro empowers B2B technology decision-makers with the latest industry trends, deep insights, leadership perspectives and actionable intelligence to drive both organizational and professional milestones—and thrive on the tech pulse.