How Can Cardano Solve This Business Problem?

English General Discussions
1

Hi everyone,

Apologies if this is a naive question but it comes from an honest place. I believe in Cardano, but I’m non-technical so my grasp of the crypto / blockchain space is limited.

My question is, how can Cardano (and perhaps Midnight) help solve the following, real world, business problem?

I work for a global manufacturing company selling product in roughly 170 countries. After our products are manufactured, we sell directly to about 90 businesses that we consider our distribution network and they sell to the end users.

Our company has to use a ton of suppliers to build our products that are sold globally. This means we have to have a multitude of different bank accounts in different currencies. We have a Foreign Exchange team that makes trades of currencies on a routine basis to make sure there is enough in each account to handle payments to suppliers.

For payments in minor currencies we consolidate through Cash Day payments that are made just a few times per month with our Foreign Exchange team trading in advance to ensure there is enough of that given currency.

In short, being a global manufacturer leads to a complicated payables and receivables web. I hear Charles saying that the Magnificent 7 may soon adopt stable coins for payments. I’m wondering if our business would also be helped by Cardano and stable coins. If so, any idea how?

4 Likes
2

I asked around a little bit lol:

Yes, your business could benefit from stablecoins on Cardano, especially in areas like FX simplification, cross-border supplier payments, and reducing settlement friction. Stablecoins can be used to hold value in multiple currencies without needing separate bank accounts, and they can settle instantly without traditional banking delays. This could streamline your minor currency payments and reduce reliance on intermediaries.

Cardano’s extended UTXO model also enables programmability without smart contract complexity, which may help automate conditional payments across your supplier network.

That said, regulatory clarity and stablecoin adoption among your suppliers would be prerequisites before implementation becomes practical.

4 Likes
3

Thank you for taking the time to respond TheBOVellum. I’m not a finance person, I’m on the sales side, so I found your response informative.

One other question if I may. Do you have any idea if staking and earning interest would be a benefit?

We are likely so entrenched with legacy systems and switching costs might high. If companies were earning interest on stable coins staked that might be a key differentiator.

4 Likes
4

Staking stablecoins could absolutely be a differentiator, if the regulatory and technical pieces fall into place.

Right now on Cardano, native staking is primarily tied to ADA — but several projects are working on stablecoin staking models that could enable interest-earning mechanisms for businesses. This could mean your company’s treasury could park idle funds (e.g., foreign currency equivalents) in a way that earns yield, instead of just sitting dormant in a bank account. That’s a potential game-changer when scaled across multiple currencies and suppliers.

That said, two major caveats:

  1. Regulatory clarity: Depending on your jurisdiction, earning yield on stablecoins could be treated as lending or come with other compliance considerations. The rules are evolving, but enterprise adoption will hinge on this becoming clearer.
  2. Supplier and treasury team readiness: For a solution like this to really shine, your suppliers would need to accept stablecoin payments, and your finance teams would need processes for managing risk, wallets, and potentially fluctuating yields.

But long-term? This is exactly the kind of use case that Cardano was designed to support — secure, decentralized, programmable value transfer with low friction. Combined with Midnight (for private but compliant transactions), there’s a credible path forward.

If/when Cardano-native stablecoins (like USDM or USDA) become fully enterprise-ready and regulated yield-bearing instruments, they could absolutely reshape how global companies like yours manage liquidity and FX flows.

2 Likes
5

Thanks again TheBOVelleum,

Fingers crossed for sensible regulation and hoping that those who know how to build these products do so on Cardano.

I can see a lot of far reaching advantages by leveraging this technology and I don’t think we are that far off.

Thank you,

bombsaway

2 Likes