[Narrator]

Hello everyone, welcome back to the TokenMinds Training series.
Today we’re talking about Circle Payment Network, a system that allows financial institutions to move money across borders in real time, using digital dollars and euros instead of slow banking rails.

The focus here is practical adoption.
This session explains how Circle Payment Network connects to existing payment and treasury systems, how it enables real-time settlement across countries, and how institutions can redesign liquidity and operations to use capital more efficiently.

Circle Payment Network is built for regulated financial institutions.
It enables instant cross-border settlement using USDC and EURC stablecoins instead of relying on delayed correspondent banking.
Access is API-based, meaning blockchain is used behind the scenes as a settlement layer, while compliance and permission controls remain in place.

Most institutions can move information quickly, but money itself still moves slowly.
Domestic systems only work during business hours and stay inside one country.
SWIFT passes messages between banks but does not move funds directly.
Payment service providers require large prefunded balances, which ties up capital and limits global scale.

With Circle Payment Network, settlement happens almost instantly across borders.
Institutions no longer need to maintain many prefunded accounts in different currencies.
Payments can run twenty-four hours a day, every day.
Capital can be reused throughout the day with better visibility, leading to more predictable cash positions and improved efficiency.

Thunes operates a global B2B payments network across many currencies and time zones.
Before adopting real-time settlement, they needed large prefunded balances, faced settlement delays, and could not operate fully around the clock.
By shifting to instant settlement, trapped capital was freed, risk was reduced, and payments became always available.

First, the client submits a cross-border payment request through Thunes’ platform for validation.

Second, compliance and sanctions checks are completed before any funds move.

Third, the required USDC amount is reserved from Thunes’ centralized treasury pool.

Fourth, the payment settles instantly through Circle Payment Network using USDC.

Fifth, the funds are converted into local currency and paid out through domestic payment rails.

Sixth, blockchain transaction records are stored for reconciliation, reporting, and audit.

Successful integration starts with clear alignment.
Business teams define goals, priority corridors, and settlement scope.
Treasury teams design liquidity flows, controls, and risk limits.
Engineering teams map system connections and technical dependencies.
The focus is on high-volume corridors, always-on availability, and large daily transaction counts.

Instead of many prefunded accounts, liquidity is placed into a centralized USDC pool.
Pool size is based on peak daily settlement needs.
Minimum balance thresholds prevent payment failures.
Automated top-ups keep liquidity available, with manual controls protected by multisignature approval.
The same capital can be reused many times per day.

Finance systems send payment instructions through APIs.
Compliance and risk checks are completed automatically.
Eligible payments are routed to Circle Payment Network.
USDC liquidity is reserved, settlement happens instantly, and funds are converted into local currency.
Blockchain records are captured to support audit and reconciliation.

Real-time cross-border settlement is becoming a basic requirement.
Institutions are under pressure to move money faster while using less capital.
Instant settlement improves speed, real-time visibility improves control, and new payment products become possible as a result.

TokenMinds helps institutions connect Circle Payment Network into real operating environments.
We design production-ready architectures that fit existing systems.
We focus on twenty-four-seven settlement with clear controls.
The outcome is measurable improvements in liquidity use, capital efficiency, and operational clarity.

Thank you for watching. If you're ready to enable real-time cross-border payments and improve capital efficiency using Circle Payment Network, reach out to TokenMinds. We’d love to help you move from slow settlement to always-on global payments.