B2B payments are broken.
They’re slow. They’re expensive. They’re built on legacy infrastructure that hasn’t changed in decades.
That’s why Bitwave proudly organized On-Chain B2B Payments Day at ETH Denver this year.
We brought together hundreds of finance leaders, blockchain experts, and enterprise operators from companies like Google Cloud, PayPal, Deloitte, Anchorage Digital, and Aleo to tackle the trillion-dollar opportunity that crypto has been waiting for: fixing B2B payments with blockchain.
What did we learn?
That stablecoins and on-chain payments aren’t just the future—they’re happening now.
Here are the top insights from the event and why every business should be paying attention.
1. Traditional B2B Payments Are a Hidden Tax on Business
Most businesses don’t even realize how much money they’re losing to payment inefficiencies.
- Slow Settlement: Traditional cross-border payments take days or even weeks to clear.
- Excessive Fees: ACH, wire transfers, and payment processors take a 3%+ cut on transactions.
- Float & Rent-Seeking: Platforms like Bill.com hold your money, profit from it, and charge you for the privilege.
Stablecoins fix this. Payments settle instantly, globally, and for a fraction of a cent.
Stablecoins already settled $30 trillion last year. Businesses are moving funds on-chain today.
The only question: Is your business ready to make the switch with Bitwave?
Read More: Why Traditional B2B Payments Are Broken. Meet the Bitwave Payment Network.
2. The Biggest Barrier to Crypto Payments? Vendor Adoption.
Even if a business wants to pay in crypto, they need vendors to accept it—and that’s where adoption lags.
- Cross-border payments are the real opportunity. In Kenya, for example, businesses pay 4% just to receive an international wire. Stablecoins eliminate these costs
- Businesses need seamless on-ramps & off-ramps. If vendors can’t easily convert crypto to fiat, they won’t use it.
- Crypto payment infrastructure is maturing fast. Bitwave is helping businesses onboard vendors and move funds on-chain with zero rent-seeking fees.
Read More: Crypto’s Trillion-Dollar Opportunity: Scaling B2B Payments On-Chain
3. Privacy & Security Are Critical for Enterprise Adoption
On-chain transactions are transparent by default. That’s great for accountability, but a challenge for enterprises.
Public companies don’t want transaction data leaked. Payroll payments shouldn’t be visible to everyone. And, regulatory compliance requires selective data sharing.
At our event, Google Cloud & Aleo announced a major partnership to solve this—bringing zero-knowledge proofs (ZKPs) to crypto payments.
ZKPs enable private, compliant payments. Enterprises can prove transactions happened without revealing sensitive details.
This is the future of stablecoin payments.
Just like HTTPS secured the internet, ZKPs will secure on-chain financial transactions.
Read More: Privacy, Security, and the Future of On-Chain B2B Payments
4. Enterprise Crypto Payments Are Scaling. Fast.
This isn’t just theory. Big enterprises are already moving millions on-chain.
- Google Cloud processed tens of millions in stablecoin payments in Q4.
- Anchorage Digital & PayPal are leading stablecoin adoption for institutions.
- Bitwave is helping businesses integrate on-chain payments with ERP systems.
So, what’s next?
- Smart contract-powered invoicing & automated payments.
- On-chain FX markets replacing traditional forex trading.
- Real-time programmable payments with dynamic terms.
The Future of B2B Payments is On-Chain. Are You Ready?
For the $150 trillion B2B payments industry, crypto isn’t a hypothetical future. It’s happening now. And Bitwave is enabling this new economy.
The Bitwave Payment Network is an ecosystem connecting businesses, vendors, and technology partners to power fast, low-cost, and programmable payments on-chain.
Who Is Joining the Bitwave Payment Network?
- Payers & Vendors – Enterprise giants like Coinbase are moving millions in vendor payments with crypto using Bitwave. The Payment Network expands this ecosystem, making it easier for businesses to access the same enterprise-grade money movement systems.
- Technology Partners – It’s not just for companies sending and receiving payments. Bitwave is bringing together on/off-ramp providers, exchanges, stablecoins, custodians and more to create a seamless ecosystem of partners, payers, and vendors.
Stablecoins already settled $30 trillion in transactions last year. The scale is here. The infrastructure is here. The opportunity is massive.
The only question: Is your business ready to start sending and receiving on-chain payments?
Stop letting banks and SaaS platforms extract value from your transactions. Stop paying for payments.
→ Sign up for early access to the network
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Disclaimer: The information provided in this blog post is for general informational purposes only and should not be construed as tax, accounting, or financial advice. The content is not intended to address the specific needs of any individual or organization, and readers are encouraged to consult with a qualified tax, accounting, or financial professional before making any decisions based on the information provided. The author and the publisher of this blog post disclaim any liability, loss, or risk incurred as a consequence, directly or indirectly, of the use or application of any of the contents herein.
