The global finance suffers a virtual revolution. For several years, banks have tried the means to use digitalization to rationalize the processes, power and experience of visitors, with various degrees of success. However, the long execution of invoices undertakes beyond the undeniable digitalization of banking processes; It is about scanning cash.

Digital cash and underlying technology, in many cases, Blockchain, exceeds some of the main limitations of current payment processes, specific speed and availability over speed. Digital cash allows invoices to have 24/7, 365 days without any fence time. Colonization will be almost instantaneous worldwide and prices to send the cross -transmission budget will be a decrease in the order of magnitude than that of the corresponding banks today.

Today, virtual occurs in 3 main forms:

Central Bank (CBDC) Virtual Cura

The virtual currencies of the Central Bank are broadcast through the Central Bank of a country and have all classical money houses. China and India are among the countries that have already piloted CBDC, the supply of domain of the euro for an electronic euro in 2027.

Bank bank tokens

Silver tokens of bank ads (also called deposit tokens) are a virtual cash form that represents a complaint opposed to the bank that emits the token. From the point of view of a bank, he digitized (Token) the deposits that a visitor has at the bank and makes them in its virtual form today in a personal and legal block chain.

Stablecoins in Fiat

Solidscoins supported through Fiat, such as the US currency (USDC) or PayPal USD (Pyusd) are a cash form issued through a personal and regulated entity. These transmitters download classic cash, also called Fiat, and by dollar they receive, create a solid token and use fiduciary effective as a guarantee in the form of state -state values ​​in the short term in species. Europe has a transparent regulatory framework called market in cryptographic regulation [2]

Although all virtual cash bureaucracy offers almost instant payment capabilities at low costs, there are significant differences between them. The CBDC (Central Bank Digital) is legal and preferably adapted as a means of payment. However, as they are still in the conceptual or pilot phase, they have not yet been had for the use of the global genuine on a giant scale.

CBMTS (Bank Money Tokens Commercial) is a virtual representation of deposits, but basically they are limited to a bank network, which means that any of the parties, the beneficiary and the beneficiary must have an account with the same bank. This limits the number of instances of use and makes this cash form applicable for intra-social transfers.

The stablecoins admitted through Fiat are the maximum available form of virtual cash and can be used in all instances of use that require instant invoices of Almaximum at a global scale. The guarantees that are separated from the active ingredients of the transmitter, in theory are even safer than bank deposits.

In particular, they are required every time instant financial movements are required outside the bench doors or that the invoices of enforce should be performed, virtual cash has transparent and apparent advantages.

An example would be the invoices of cross transmission suppliers. According to Sam Bronner, from the capital of the capital of Venture, Andresen Horowitz, the foreign budget charges $ 30 to $ five0 and takes 1 to five days of paintings to establish. With Stablecoins living in the block chain, transaction prices can be as low as one hundred and establish in seconds. This is applicable for corporations that move in subscription models with more common decreases and payment conditions.

Another example is financial movements within the company. Digital currencies are an ideal way of temporarily moving effective and without any challenge between subsidiaries and the central office. Stablecoins, as well as bank advertising tokens, are a selection for this case of use.

A third area where digital currencies can be particularly useful is in time-critical high-value payments. As companies can only book revenues upon delivery of the goods or service and reception of the corresponding payment, instant money movement is needed if a multimillion-dollar purchase is delivered to a customer on a Saturday or Sunday at the end of a quarter. Rare, though vital, large transactions like an M&A closing on a Saturday or Sunday also require immediate payment. Digital currency effectively means time no longer needs to be a major consideration for these kinds of transactions.

The almost instant invoices 24 hours a day, 7 days a week in the global are imaginable today, and with the advent of the generation, such as the Digital SAP Currency Hub, now it can attach its existing ERP formula with finances founded In blockchain. According to suppliers in a solidcoin such as USDC or Pyusd and Blockchain such as Ethereum or Polygon for the colony and can quickly configure the formula. Then it embarks with a solid transmitter for the direct blow and redemption or with a liquidity provider such as exchange to convert fiduciary effective into solid layers and vice versa and infrastructure is in a position to leave.

The evolution towards a generalized adoption of virtual currencies is accelerated, motivates through technological progress, regulation and evolution of visitors’ expectations. We, a position, see the first users who make invoices when they take the merit of the SAP virtual currency media and see generalized interests in visitors. Payments of several million dollars with Stablescoins have demonstrated the reliability of infrastructure and ecosystem even for maximum prices transactions. An evolution towards virtual currencies is not yes, however, when, and corporations will have to be in a position to take merit.