Whilst the financial services sector has come a long way, some of its biggest challenges remain unsolved. Slow settlement times, expensive cross-border payments, and outdated infrastructure continue to limit efficiency and access.

At AUDD, we believe this is where stablecoins and fintech intersect — delivering practical solutions that traditional systems have struggled to achieve.

Tackling Costly Cross-Border Payments

Traditional remittances remain expensive, often costing around 6% per transaction. Stablecoins can significantly reduce this, enabling instant, low-cost transfers that bypass intermediaries. For businesses and individuals alike, this means more money where it’s needed most.

Real-Time Settlement

In traditional banking, T+2 settlement cycles are common. For businesses managing liquidity, this delay is more than inconvenient. With stablecoins, settlement can occur in real-time (T+0), reducing counterparty risk and increasing efficiency for merchants, employers, and supply chains.

Expanding Financial Access

In many parts of the world, stablecoins are helping address gaps in financial inclusion, providing affordable access to payments and transfers where banking infrastructure is limited.

While Australia has strong financial coverage, stablecoins still play a critical role here — offering greater efficiency, faster settlement, and programmable features that improve how money moves across borders, within supply chains, and between digital platforms.

Building Trust Through Transparency

Far from being a compliance risk, stablecoins can strengthen AML/CTF processes. Programmable money enables real-time audit trails and embedded controls, offering both users and regulators more visibility than legacy batch reporting. In Australia, as ASIC and Treasury advance towards a clear regulatory framework, this transparency will be key.

Collaboration Over Competition

This is not about fintech versus banks. It’s about collaboration. Traditional finance brings scale and regulatory expertise, while fintechs bring agility and innovation. Stablecoins like AUDD provide the connective layer for both to deliver faster, fairer, and more efficient financial services.

Looking Ahead

Stablecoins are no longer niche. They are fast becoming a critical piece of financial infrastructure – lowering costs, enabling inclusion in global markets, and modernising how money moves.

As Australia’s fintech sector gathers momentum, we see AUDD’s role as clear: to help bridge legacy finance with the next generation of digital innovation, grounded in compliance, transparency, and trust.