# Stablecoins Have a $10 Million Problem

> Stablecoins move money fast but often return to banks, creating liquidity gaps for businesses.
- Title: Stablecoins Have a $10 Million Problem · Pymnts | Shortify
- Summary: Stablecoins move money fast but often return to banks, creating liquidity gaps for businesses. Companies receiving stablecoins convert them to dollars…
- Keywords: stablecoins, cfo, cross-border payments, liquidity, b2b payments, financial stability, fintech, business, finance, Million, Problem, Pymnts
- Source: Pymnts — https://pymnts.com/cryptocurrency/2026/stablecoins-have-10-million-dollar-problem-going-back-bank
- Author: PYMNTS
- Published: 2026-10-12T21:19:02+00:00
- Read time: 1 min
- Topics: stablecoins, cfo, cross-border payments, liquidity, b2b payments, financial stability, fintech, business, finance
## Stablecoins Move Money Fast
Stablecoins transfer funds faster than businesses can use them for payroll and supplier payments.
## 88% Convert Immediately
88% of firms receiving stablecoins convert them to U.S. dollars within hours.
## Banks Still Required
Companies still depend on banks for payroll, supplier payments and liquidity despite stablecoin transfers.
## FSB Report Highlights Risk
The FSB warns stablecoin payments depend on traditional markets for liquidity and redemption.
## Next Step Problem
The recipient needs to pay employees in local currency and settle supplier invoices after receiving stablecoins.
## Conversion Dependency
Unless partners accept stablecoins directly, money must pass through another conversion process to banks.
## Liquidity Gap
The more stablecoins move money, the more critical reliable access to conventional liquidity becomes.
## Key takeaway

Companies receiving stablecoins convert them to dollars immediately, but face liquidity barriers when using the funds for payroll and supplier payments.