Case Studies
Travelers
Balancing the trinity
Challenge
Risk / return tradeoff in liquidity investing with art bond funds. Meeting insurance claim obligations admist natural catastrophes, inflation, cyber attacks.
Solution
- Stable $1 price
- Daily tax-efficient income
- Internet-native P2P collateral mobility
- Cryptographically secure payment system
Results
- 20-30bps FX savings
- 4-day reduction in prefunding
- Enhanced daily treasury yield
- Real-time settlement
Robinhood
EU Stock Trading
Challenge
Inability to generate yield on idle user cash without sacrificing trading liquidity
Solution
- In-app yield generation integration
- Real-time collateral conversion
- Automated treasury management
Results
- New yield revenue stream
- Increased user retention
- Expanded global accessibility
- Real-time settlement
Timeline
- Testing: Q1 2025
- Launch: Q2 2025
Franklin Templeton
Building Resilient Money Markets
Challenge
Fund outflows and redemption pressure during market stress. Wire transfers. Weekend global liquidity.
Solution
- Use stablecoin atomic swaps to meet redemptions
- Transfer at NAV, not redeem
Results
- Increased AUM + fee income
- Reduced cash flow volatility
- Instant global 24/7/365 liquidity
OASI
Defusing the timebomb
Challenge
Asset-liability mismatch. Money coming in < money needed to go out.
Solution
- Yield-bearing collateral with equity return profile allocated to portfolio.
Results
- Fraud reduction
- Waste reduction
- Abuse reduction
New Jersey
Defusing the timebomb
Challenge
Pension underfunding doom loop. Discount to NAV asset sale to meet retiree benefit payments.
Solution
- Yield-bearing collateral.
Results
- Fraud reduction
- Waste reduction
- Abuse reduction
- Instant benefit distributions
Plaid
Web scrapers
Challenge
Single point of failure. Slow ACH transfers for bank auth. P72 has your cc data.
Solution
- Instant stablecoin microdeposits via tokenized deposits and atomic swaps.
Palantir Technologies
Streamlined data and information management
Challenge
Money laundering, drug trafficking, sanctioned capital flight.
Solution
- Stablecoin payments data.
Results
- Improved detection of illicit activities
- Reduced data model latency
- Streamlined data orchestration
SIG
Tax efficient cash management
Challenge
IRS. Tax drag and unrealized capital gains.
Solution
- Yield-bearing collateral with zero tax drag
Benefits
- Instant bilateral settlement
- Yield throughout full borrowing/lending txn lifecycle
Brex
Tax efficient cash management
Challenge
Cash drag on idle fiat reserves
Solution
- Yield-bearing stablecoin for cash management
Results
- Liquidity risk reduction
- 20-30bps FX savings
- 4-day reduction in prefunding
B2B Payments
Internet Money
Challenge
Slow, high fees, difficult to track, lacks transparency.
Solution
- Stablecoins.
Results
- Instant vs 2-3 day transfers
- Eliminated fees on international payments
Change Healthcare
Rebuilding hospital payments cybersecurity
Challenge
Breach crashed $9T claims system for 8 months, exposing 100M patient records
Solution
- Blockchain-native medicaid/medicare/hospital payments.
Results
- No single point of failure
- 24/7/395 claims processing uptime
- Enhanced customer accesibility
Timeline
- Testing: Q3 2025
- Launch: Q4 2025
Colonial Pipeline
Critical infrastructure
Stanford Management Company
The bill was too big
FINRA TRACE
OTC transaction data
Index Funds
Eliminate Margin Calls
Challenge
Cash drag, tracking error, equitization, margin calls. Slow fiat wires to meet global redemptions. Proxy voting.
Solution
- Stablecoins for global weekend redemption liquidity.
Results
- Transparency
- 15bps in cost savings for actively managed funds
- Programmable fund admin, information management
- Enhanced retail participation via internet-native proxy voting systems
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