top of page

Multi-Currency Accounts with Stablecoin Settlement

  • Writer: Helm
    Helm
  • Oct 12
  • 2 min read
Multi-Currency Accounts with Stablecoin Settlement

Multi-Currency Accounts with Stablecoin Settlement

For international businesses, managing liquidity across multiple currencies remains one of the biggest operational challenges. Traditional banking systems rely on slow correspondent networks, restrictive onboarding, and expensive currency conversions that limit flexibility and increase cost.


Stablecoin settlement infrastructure now provides a compliant, efficient alternative — allowing businesses to hold, receive, and settle payments in USD, EUR, GBP, and digital equivalents such as USDC within a single regulated account. This model combines the assurance of licensed financial infrastructure with the speed of digital settlement.


Why Businesses Need Multi-Currency Accounts with Stablecoin Settlement

Global businesses often face fragmented banking relationships, trapped liquidity, and unpredictable FX spreads. A multi-currency account with stablecoin settlement eliminates these barriers by integrating both traditional and digital payment rails.


Businesses can:

  • Receive international payments in USD, EUR, GBP, or USDC without needing local incorporation.

  • Hold balances securely without automatic conversion into local currency.

  • Settle payments instantly through compliant digital settlement infrastructure.

  • Reduce FX losses by converting strategically when rates are favourable.

  • Consolidate liquidity and reporting within a single global treasury view.


Without such infrastructure, cross-border businesses typically experience three to five-day settlement delays and exchange markups of 2–4% on every transaction.


The Problem with Traditional Multi-Currency Accounts

Conventional banking models were not designed for real-time international commerce. Common challenges include:

  • Local entity or director requirements in the US, EU, or UK.

  • Lengthy onboarding and verification cycles.

  • Limited corridor access for non-resident accounts.

  • Slow settlement through multi-tier correspondent networks.

  • High intermediary and FX fees that erode margin.


For exporters, service firms, and digital businesses, these structural barriers limit growth and working capital efficiency.


How Helm Enables Multi-Currency Accounts with Stablecoin Settlement

Helm provides regulated, multi-currency business accounts that integrate stablecoin settlement, enabling companies worldwide to manage USD, EUR, GBP, and USDC balances seamlessly.


Key capabilities:

  • Dedicated multi-currency accounts – Named USD, EUR, GBP, and USDC accounts with no local incorporation required.

  • Instant digital settlement – Transfer value globally within minutes through compliant digital infrastructure.

  • Integrated fiat and stablecoin management – Convert between currencies and digital equivalents when strategically beneficial.

  • Compliance-first onboarding – Verified under AML, KYC, and PSD2-aligned frameworks.

  • Centralised wallet and payments – Manage balances, conversions, and settlements from one secure interface.

  • Institutional-grade security – Enterprise encryption, continuous monitoring, and reconciliation safeguards.


The impact: Businesses using Helm reduce settlement times from three to five days to under one hour, while eliminating up to 3% in FX and intermediary losses on international payments.


Get Started with Helm

Opening a multi-currency business account with stablecoin settlement requires no local incorporation. Once verified, your business can receive, hold, and manage funds globally across USD, EUR, GBP, and USDC — all from a single, compliant platform.



About Helm

Helm is the financial operating system for global businesses. We provide USD, EUR, GBP, and USDC accounts, cross-border payments, multi-currency wallets, and global Visa cards — all built on licensed infrastructure with bank-grade compliance. Trusted by companies moving capital across 100+ countries, our partners include Stripe, Visa, and Bridge, enabling secure and scalable financial infrastructure worldwide.


Learn more at www.helmpay.co or contact us at hello@helmpay.co.

 
 
bottom of page