Stablecoins have come a long way from their roots as crypto-native tools. Today, they represent one of the most promising innovations in global payments. But to unlock their full potential for real-world use cases—like remittances, global payroll, and cross-border B2B payments—we need to understand the infrastructure behind them.

At Stable Sea, we think of the cross-border stablecoin ecosystem as a pyramid-shaped tech stack. Each layer of this pyramid represents a critical component required to move stablecoins from speculative assets to programmable liquidity that businesses can actually use. Here's how we break it down:

The Stablecoin Pyramid

• US Dollar (Base Layer): The foundation of most stablecoins. Whether it's USDC, USDT, or PYUSD, these assets are productized representations of the U.S. dollar.

• Stablecoin Issuers & FX Providers: On top of the USD sits the entities that mint stablecoins and provide liquidity for cross-border trades. They maintain balance sheets and infrastructure to facilitate stablecoin conversions.

• API Infrastructure Companies: These are the pipes. They connect wallets, exchanges, banks, and enterprise systems—enabling access to stablecoin rails programmatically.

• Wallets. These providers help consumers and businesses hold a variety of stablecoins and access various chains.

• Service Layer (Where Stable Sea Lives): This is the visualization layer. Stable Sea sits here, making it easy for humans and businesses to interact with the web3 infrastructure below without needing to integrate with 20+ providers themselves and unifying APIs across providers. We bring FX data to life, and allow businesses to see liquidity providers around the world that they can off-ramp via.

• Applications & Use Cases: The top of the pyramid includes end-user applications: payroll platforms, remittance apps, global PSPs, and enterprise treasury systems that use stablecoins to move money faster and more efficiently.

Why the Service Layer Matters

Many companies building with stablecoins hit the same three bottlenecks when moving large sums (>$500K) across borders:

• Limited Liquidity: Settlement delays caused by a fragmented OTC network and a lack of deep, real-time liquidity.

• Lack of Transparency: Unclear fees, conversion rates, and timing, especially when dealing with regional exchanges.

• Complex Integrations: Getting access to markets like LATAM, MENA, APAC, or Africa often requires multiple local integrations. It’s resource-intensive and hard to scale.

Stable Sea exists to solve these problems. We’re proud to be part of the next generation of infrastructure companies helping stablecoins evolve from crypto tools to global financial primitives.

Orchestration for the Modern Treasury

Stable Sea  provides a simple, enterprise-grade dashboard and API that corporate treasurers and global businesses can use to see their stablecoin balances and seamlessly convert them to local fiat currencies anywhere in the world. By plugging into the infrastructure layer below us, we allow our customers to focus on building the next generation of financial products and services on stablecoin rails.

At Stable Sea, we’re building what comes after the on-ramp. And it starts with making programmable liquidity actually usable.