Cross-Border FX Analysis

Currency conversion costs on 3,254 USD transactions · Rate swing: 6.26% over 206 days

Stablecoin Settlement Opportunity

This company processes 80% of transactions in USD while operating from Canada. Traditional credit card FX markup costs them $19,183 over 206 days (~$93/day). Settling via USDC stablecoin could save $61,384/year.

FX rates swung 6.26% (1.3862–1.4193). Best month: 2025-09. Worst: 2025-12. If all transactions had the best rate, you'd save an additional $17,041.

Projected Annual Savings

$61,384

vs $33,990 FX waste/yr

CAD → USDC on-ramp

USDC settlement (0.5% fee)

Instant, transparent pricing

Savings Calculator

Adjust what percentage of USD transactions would be settled via stablecoin:

100%

Current FX Cost (6mo)

$19,183

Savings at 100% adoption

$30,692 /6mo

Annualized Savings

$61,384 /year

USD Transactions

3,254

Cross-border charges

Total CAD Cost

$1,080,688.01

After conversion

FX Spread Lost

$38,365.56

~2.5% credit card markup

Stablecoin Savings

$30,692.45

~0.5% USDC settlement

Avg Rate

1.4078

Best

1.3636

Worst

1.4490

Annualized Savings

$61,384.9/yr

Monthly FX Rate & USD Spend

7 months · rate range 1.36–1.45

How Stablecoin Settlement Works

1. Current State

Each USD transaction on the corporate card incurs a ~2.5% FX markup from the card issuer. Over 3,254 cross-border transactions, this adds up to $19,183 in 206 days.

2. Stablecoin Alternative

Converting CAD to USDC at near-market rates (~0.5% total cost) eliminates the credit card FX spread. Rate volatility (6.26% swing) becomes irrelevant with same-day settlement.

3. Impact

At full adoption: $30,692.45 saved per 6 months, or $61,384.9/year. That's equivalent to 1 full Michelin tire orders.