[Narrator] Hello everyone. Welcome back to the Token Minds training series. In this video, I'll explain how Tempo Network fits into institutional payment and settlement systems, and why payment native blockchains are becoming critical infrastructure for stablecoin based finance.

[Narrator] Tempo Network is a payment native layer one blockchain designed specifically for stablecoin payments and settlement. It's not a general smart contract chain. It's built to move money fast, cheaply, and predictably for real businesses.

[Narrator] Tempo is a layer one designed for payments first. It targets subsecond settlement finality, predictable fees paid directly in stablecoins, and continuous settlement instead of batch clearing. It's EVM compatible, so existing Ethereum tooling still works, but the execution model is optimized for payments, not speculation.

[Narrator] Tempo was incubated by Stripe and Paradigm to support real financial flows like merchant payments, treasury settlement, and cross border transfers with strong institutional backing and a public testnet already live. It's designed from day one for reliability, scale, and predictable economics.

[Narrator] So compared to Solana or Ethereum layer one, Tempo is fundamentally different. Most of its block space is dedicated to payments. Fees don't spike under congestion and settlement remains fast, even at scale. This makes it far more suitable for enterprise payment rails.

[Narrator] Tempo enables real time settlement with deterministic finality, so funds become usable immediately, eliminating settlement risk. Fees are stable and predictable, and businesses can pay gas in the same stablecoin they are transferring, simplifying treasury operations.

[Narrator] Institutions don't want experimentation, they want infrastructure. They need predictable costs, near instant settlement, USD denominated flows using stablecoins, high throughput for millions of transactions, and seamless integration with existing finance systems. Tempo is designed to meet exactly these requirements.

[Narrator] Here's a simplified flow. First, a payment is created on chain using stablecoins. Second, fees are paid directly in stablecoins through protocol level account abstraction. Third, payments are routed through dedicated execution lanes, so they are never delayed by other activity. Fourth, consensus finalizes settlement in under a second. And finally, structured metadata supports automatic reconciliation with accounting systems.

[Narrator] So Tempo is already being explored by major institutions. Stripe and Paradigm are testing payment flows. Klarna is experimenting with its own USD pegged stablecoin, and banks like Deutsche Bank and Standard Chartered are validating payment workloads and governance models. This shows real institutional interest, not only theory.

[Narrator] The numbers are clear. Stablecoin transaction volume exceeded $27 trillion in 2024. Payments alone account for nearly $6 trillion, and almost half of institutional transfers involve stablecoins. At the same time, cross border payments remain slow and expensive, creating demand for real time infrastructure.

[Narrator] As institutions modernize settlement, payroll, and cross border payments, payment first blockchains like Tempo are positioned to become core financial rails. Stablecoins are evolving into practical digital dollars, and Tempo shows how blockchain can quietly integrate behind existing financial systems.

[Narrator] Token Minds helps organizations identify where Tempo can improve payment, payroll, or treasury flows. We design the integration architecture, run pilots to validate performance and cost savings, ensure compliance readiness, and support scaling across business lines.

[Narrator] Tempo Network represents a shift from experimental blockchain payments to real financial infrastructure. If your business supports stablecoin based settlement or real time payments, Token Minds can help you implement Tempo safely and effectively. Thank you for watching.