Zeebu crosses $10B in Total Volume Settled.
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Local intermediaries embed 1-3% spreads on cross-border B2B in emerging markets.
- Compounds across every corridor
- Each new market adds reconciliation overhead
- Mid-market firms operate across 5-20 markets at once
The fragmentation isn't a feature. It's a tax.
$6.6 trillion in US bank deposits are flagged "at risk" from stablecoin substitution.
• $281B in stablecoins already outstanding
• Citi projects supply hits $3.7T by 2030
The deposits aren't leaving the system. They're changing rails.
Stablecoins moved $32 trillion in 2024.
More than Visa and Mastercard combined. The volume is already here.
What's missing is settlement infrastructure built for B2B, not retail checkout.
$8.7B in US Treasuries are already onchain. Against $28T total issued.
• BlackRock and others have shipped products
• Penetration is under 0.03%
• Major institutions are minting tokenized funds monthly
The migration hasn't started. The infrastructure rehearsal has.
Visa is settling in USDC. Mastercard is integrating SoFiUSD. JPMorgan moves $2B daily on JPM Coin.
Payments stopped being instructions years ago. They're logic now.
Most B2B platforms haven't caught up.
Tokenized RWAs are projected to hit $2T by 2030.
• Asset-backed credit hit $1B onchain
• 65% of RWA value currently sits on Ethereum
• Institutions now post tokenized treasuries as collateral
The collateral layer is moving. The settlement layer has to follow.
85% of CFOs say they'd switch banks for direct ERP-to-bank connectivity.
The average enterprise still uses 6-10 vendors just to manage payments.
Each integration requires custom builds and coordination during outages.
One protocol. One connection. That's the unlock.
Embedded finance is projected to hit $690 billion by 2030.
- 5.2B digital wallets expected globally by 2026
- Half of financial transactions will start outside bank apps
- Banks risk becoming backend infrastructure
The settlement layer is the last defensible position.
6 in 10 businesses now use factoring to manage 60+ day payment cycles.
The global SME financing gap exceeds $5 trillion annually. Traditional factoring hides 10-35% in fees beyond the advertised rate.
Onhain settlement compresses the cycle.
90% of businesses have adopted or plan to adopt ISO 20022 messaging.
- 58% already use a fintech
- 85% would switch banks for direct ERP connectivity
- Industry-average TMS implementation still takes 6-18 months
The plumbing isn't standard. That's the gap.
By 2026, more than half of all consumer financial transactions will start on third-party platforms, not bank apps.
92% of treasury professionals already rate embedded banking as valuable.
The interface is moving. The question is whether the settlement layer moves with it.
RTP volume hit $1.3T in 2025. Up 428% YoY.
- FedNow grew 1,200% YoY in transaction volume
- 58% of US banks now run both rails
- Real-time payments could replace $18.9 trillion in ACH and check-based B2B
The infrastructure is live. The question is who builds on it first.
Over 50% of businesses rank settlement speed as the most important factor in choosing a cross-border payment provider.
Cash flow availability, supplier relationships, and working capital all depend on when funds arrive. Not if.
42% of B2B payments are delayed due to manual reconciliation.
- Late payments cost businesses $2.5T
- 11% of cross-border payments fail from incorrect data
- Companies lose $900K/month to invoice disputes
Onchain settlement matches payment to invoice automatically.
98% of companies still perform some payment operations manually.
49% use five or more systems just to manage payments.
Fragmentation isn't a legacy problem. It's a current one.
Unified settlement on a single rail eliminates the patchwork entirely.
51% of companies still run half their payment operations manually.
- Only 5% of AP teams use AI-driven fraud detection
- Only 5% of midsize firms have fully automated AR/AP
- 81% of CFOs say automation reduced payment delays
The is the opportunity.
B2B stablecoin payments hit $226B in 2025. Up 733% from the year before.
77% of enterprise users say cross-border supplier payments are the top use case.
The rails aren't being tested anymore. They're being adopted.
SMEs pay 5%+ on cross-border payments. Corporates pay 1-3%.
- Same rails
- Same friction
- Worse pricing
Zeebu doesn't tier by size. Settlement costs the same at $10K or $10M.