The AFP Executive Guide: Stablecoins and Treasury: What Financial Leaders Need to Know, sponsored by PNC Bank, examines how stablecoins are emerging as a potential tool for modern treasury and finance organizations. The guide provides an overview of what stablecoins are, how they work and how they differ from other digital assets, while exploring their potential impact on payments, liquidity management, cross-border transactions and treasury operations. It also addresses the evolving regulatory landscape, key adoption challenges, risk considerations and best practices for organizations evaluating stablecoin use cases.

This guide helps treasury professionals:

• Understand what stablecoins are and how they differ from other digital assets.
• Evaluate whether stablecoins can address business challenges within their organization.
• Identify practical treasury use cases and implementation considerations.
• Assess the risks, regulatory requirements and governance frameworks needed for successful adoption.
• Prepare for the future of digital payments and blockchain-enabled treasury operations.

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What’s Inside the Guide

Stablecoins Defined

Explore the fundamentals of stablecoins, including how they maintain a stable value, the reserve assets that support them and the role blockchain technology plays in enabling transactions. Learn how stablecoins are issued, regulated and used within the broader digital payments ecosystem.

Stablecoins vs. Other Digital Assets

Examine the differences between stablecoins, cryptocurrencies, tokenized deposits, tokenized real-world assets and central bank digital currencies (CBDCs). Learn the key differences in value stability, regulatory oversight, risk profiles and intended use cases, and understand where stablecoins fit within the evolving digital payments landscape.

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Stablecoins and Treasury: What Financial Leaders Need to Know
Sept 23 | 3-4:00 PM ET
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Why Stablecoins Matter to Treasury

Explore the advantages that are driving growing interest in stablecoins across the treasury profession, including near-instant settlement, lower transaction costs, 24/7 payment capabilities, global accessibility, enhanced transaction transparency and programmable payments. Learn how these capabilities could help organizations streamline payments, improve liquidity management and support more efficient movement of funds across borders.

Potential Use Cases

Review applications for stablecoins, including:

• Cross-border payments
• Supplier and vendor payments
• Global payroll and remittances
• Liquidity management
• Funding subsidiaries
• Capital markets settlement
• Emerging AI-driven payment models

Challenges in Stablecoin Adoption

Explore the key barriers organizations may face when evaluating stablecoins, including limited internal knowledge, integration with treasury and ERP systems, liquidity considerations and evolving regulatory requirements. Learn how companies can address these challenges through strategic partnerships, targeted pilots and strong cross-functional governance.

Key Risks

Explore the primary risks associated with stablecoin adoption, including issuer and reserve risk, market volatility, regulatory uncertainty, technology vulnerabilities, cybersecurity threats, fraud and counterparty exposure. Learn how factors such as reserve quality, platform reliability and governance controls can impact the safety and effectiveness of stablecoin-based transactions.

Stablecoins in Treasury Operations

Learn how treasury teams can incorporate stablecoins into existing payment, cash management and liquidity workflows. Identify the key questions organizations should ask before adoption, the factors to consider when evaluating issuers and platforms and a practical framework for piloting and governing stablecoin initiatives.

The Future of Stablecoins

Examine the trends shaping the next generation of payments and treasury management, including increasing institutional adoption, evolving regulatory frameworks, expanding blockchain infrastructure and growing demand for faster, lower-cost global transactions. Learn how stablecoins could transform cross-border payments, liquidity management and real-time settlement in the years ahead.

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Who Should Use This Guide?

• Corporate Treasurers looking to evaluate emerging payment and liquidity solutions that can improve cash management, cross-border transactions and treasury efficiency.
  
• Treasury Managers responsible for payment operations, liquidity planning and treasury technology who want to understand the practical applications and implementation considerations of stablecoins.
  
• CFOs and Finance Leaders seeking a strategic understanding of how stablecoins may impact working capital, financial operations, risk management and future digital transformation initiatives.
  
• Cash and Liquidity Managers looking to improve the speed, visibility and flexibility of fund movements to better manage cash positioning and working capital.
  
• Payments Leaders and Specialists seeking to understand how stablecoins compare to traditional payment rails and where they may help reduce costs, accelerate settlement and support global payment flows.
  
• Treasury Operations Professionals responsible for payment processing, reconciliation and controls who need to understand the operational requirements and governance considerations of stablecoin adoption.
  
• Finance, Accounting, Compliance and Risk Teams evaluating the regulatory, accounting, control and risk implications associated with stablecoins and digital payment technologies.
  
• Organizations Exploring Digital Assets that want a practical, business-focused framework for assessing stablecoin opportunities, risks and adoption readiness.

As stablecoins gain momentum in corporate payments and treasury management, understanding their potential impact is increasingly important. The AFP Executive Guide: Stablecoins and Treasury: What Financial Leaders Need to Know helps treasury and finance leaders evaluate adoption and prepare for the future of digital payments and liquidity management.

View and Download the Guide