Payments & Financial Infrastructure Advisory
Move money faster, cheaper, and with more control.
Independent advisory for businesses and public agencies on payments and financial infrastructure.
We advise on payments and money movement, from cards and ACH to disbursements and stablecoins.
We start with your actual numbers, find where cost and delay can come out, recommend one clear path, and stay to implement it.
Funds that took days to settle can now arrive in seconds, at a fraction of the cost, with better visibility into where they are.
Where we help businesses and public institutions.
Move money faster and cheaper on modern rails, without adding risk.
Pay employees, vendors, claimants, and recipients faster and more reliably.
Better fees and stronger protections in card programs and vendor terms.
Instant settlement and lower-cost cross-border money movement.
Pressure-test legacy contracts to surface real savings and better terms.
Independent evaluation of regulated digital dollars and new rails: what's real, what fits, and what to skip.
Payment technology is changing faster than it has in decades, and standing still has a cost. Stablecoins are one example: the federal GENIUS Act set a national standard in July 2025, and businesses and states are already putting it to work.
| ACH | Card / Interchange | Stablecoins | |
|---|---|---|---|
| Settlement | 1–2 business days | T+1 to T+2 | Seconds |
| Availability | Banking hours | Business days | 24/7/365 |
| Cost per transaction | $0.26–$0.50 | 1.5%–3.5% of amount | Under $0.01 |
| Spending controls | None | None | Programmable |
One illustrative comparison. Representative ranges from published pricing; figures vary by provider, volume, and transaction size. "Stablecoin" refers to a fully-reserved, regulated stablecoin; the figure shown reflects the network transfer fee, with conversion to and from bank money priced separately.
Early movers, private and public
Launched USDPT, its own regulated dollar stablecoin, in May 2026. It is issued through federally chartered Anchorage Digital Bank and used to settle transfers with its global agents in real time, around the clock.
Why it matters: one of the oldest names in money movement rebuilt its settlement layer because the economics were too large to ignore.
PYUSD, PayPal’s fully-reserved dollar stablecoin, now circulates at roughly $2.7 billion and reaches 70+ markets, and is built into checkout, payouts, and cross-border transfers.
Why it matters: for millions of users, stablecoin rails are already part of the plumbing, not a crypto product.
Issued FRNT, the first U.S. state-issued digital dollar, fully reserved and managed by Franklin Templeton. Interest on the reserves funds the state’s School Foundation Program.
Why it matters: early proof that a state can capture new value from how it holds and moves funds, without a new tax.
In June 2026 became the first state to sign a dedicated stablecoin framework: licensing issuers under a GENIUS-aligned law (HB 175) and launching a live pilot (SB 1568) to accept stablecoins for state fees.
Why it matters: a state moved from studying the technology to using it in its own finance department.
They’re not alone: Stripe acquired stablecoin platform Bridge for $1.1 billion, Visa settles card volume in USDC, and Fiserv is building a bank-grade stablecoin with the Bank of North Dakota. These are examples, not endorsements. We weigh every option on cost, speed, control, and risk.
A clear, low-risk path, sized to your team whether you run one program or a portfolio.
We map your current payment flows, costs, and contracts, and what they cost you today.
We model the savings and outcomes against your actual numbers, not a generic benchmark.
One clear, defensible path (modernize, replace, or build) with the trade-offs laid out.
We stay through execution, working alongside your team to put the plan into practice.
We work with organizations that move money at scale, across the private and public sectors:
We map your payment flows, compare cost and speed against modern options, and show you where the biggest gains are. Complimentary and confidential.
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