How the stablecoin sandwich is transforming in cross-border transactions.

DXP Team — Mon, 22 Jun 2026 18:14:05 GMT

Traditional cross-border payments cost time, money, and transparency. SWIFT wires take two to five business days. Intermediary banks each add their own fees and currency conversion markup. Bank transfers can cost around ~3–7% depending on the corridor and provider. And tracking a payment between banks is often guesswork.

The “stablecoin sandwich” is quickly emerging as the solution. This is a cross-border payment model where the sender pays in their local currency, the money travels across a blockchain as a stablecoin, and the recipient receives payment in their local currency – often at near-instant speeds. In simple terms: sender’s local currency → stablecoin → recipient’s local currency.

The best part? There are no slow, expensive intermediaries in between.

‍What’s ahead:

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How the stablecoin sandwich is transforming in cross-border transactions.