| Segment | Problem |
|---|---|
| B2B Payments |
Difficult to track High fees Slow Lack transparency |
| Stablecoins |
No yield distribution Lack transparency Taxes U.S. regulatory compliance Depegging, USDC reliance |
| Money Market Funds |
Collateral immobility Redemption pressure during market stress Costly, problematic settlement |
| Cash Management |
Idle cash losing value due to inflation High subscription and redemption fees Collateral velocity |