Capgemini sees ‘intelligent money’ reshaping B2B payments by 2030
Capgemini’s latest report says B2B payments are moving toward stablecoins, tokenised deposits and CBDCs as corporates seek faster cross-border settlement and better liquidity visibility. Global payment volumes are projected to rise from 2,250 billion in 2025 to 4,000 billion by 2030.
What happened
Capgemini says B2B payments are shifting toward stablecoins, tokenized deposits and CBDCs. India’s UPI is cited among consumer payment systems driving
Key facts
- 21% of banks are scaling at least one new money instrument
- 32% of corporate clients are satisfied with their primary bank
- Nearly 60% of corporates would consider non-bank stablecoin providers
- Payment volumes projected to rise from 2,250 billion in 2025 to 4,000 billion by 2030
- Instant payments and e-money projected to reach 32% of payment volume by 2030
- Corporate cross-border payments take about 3.5 days
- $4 trillion tied up in nostro and vostro accounts
- $230 billion in payment revenue at risk
Why this matters
Banks, retailers and payment firms should evaluate partnerships or acquisitions in stablecoin settlement, tokenised-deposit infrastructure and liquidity-visibility software before non-bank providers capture corporate payment relationships.
What to watch
- Major banks launching interoperable tokenised-deposit networks for corporate cross-border payments.
- Regulatory approvals or restrictions for stablecoin issuance, custody and corporate use in the US, EU, UK, Singapore and key sourcing markets.
- Retailers or global marketplaces publicly moving supplier, merchant or affiliate payouts onto stablecoin rails.
- Evidence that stablecoin payment volumes shift from trading-related transfers toward commercial invoices and recurring B2B settlement.
- Bank pricing changes for cross-border wires, FX spreads and cash-management services as non-bank competition rises.
- Enterprise treasury-platform integrations that make wallet-based settlement and ERP reconciliation operationally simple.
- Map supplier-payment corridors by FX cost, settlement delay, dispute frequency and working-capital impact; prioritize high-volume cross-border routes for pilots.
- Require payment partners to provide tokenised-deposit and regulated-stablecoin roadmaps, including reserve transparency, redemption terms, sanctions screening and liability allocation.
- Upgrade treasury systems for real-time cash positioning, wallet/account reconciliation and 24/7 liquidity controls rather than treating new rails as a procurement-only initiative.
- Negotiate with banks for API access, faster cross-border settlement SLAs and improved data-rich remittance; use credible non-bank alternatives as leverage.
- Test programmable payment use cases such as conditional supplier release, marketplace seller payouts, duty/tax settlement and automated invoice matching.