Notabene has opened stablecoin payments on its Notabene Flow network to users of regulated digital asset institutions without requiring new integrations, widening access to more than 2,000 institutions in over 100 jurisdictions that collectively process trillions of dollars in transactions each year.
Shift from connectivity to full payment functionality
The move turns Notabene’s network from a purely connectivity layer into a functioning payment system, where transactions can be completed using existing institutional accounts. A payment request sent through Flow can now be settled directly from a recipient’s current custodian, bank, or payment service provider, eliminating the need for end-users to sign up for additional services.
The new capabilities follow the rollout of Flow responder functions to all existing network members already running Travel Rule-compliant transfers. Businesses can generate Flow payment links that allow recipients to complete payments from their hosted wallets or via a self-hosted wallet on the Notabene platform.
Chief executive Pelle Braendgaard said the broader coverage allows payments to be processed from any institution where funds are held under the same network integration. Notabene described the reach as operating under an open model, enabling regulated entities to interact without forming closed, proprietary systems.
Open stablecoin platform for business payments
Launched in September 2025, Notabene Flow is positioned by the company as the first open stablecoin payment platform built specifically for business-to-business use. The platform verifies and reconciles invoices instantly across wallets, networks, and jurisdictions using the Transaction Authorization Protocol, an open standard designed to work across different infrastructures and blockchains.
Notabene acts as a verification and coordination layer, linking thousands of regulated counterparties and facilitating trillions in transaction volume worldwide. Its tools provide payment authorization, counterparty checks, and identification of self-hosted wallets, with businesses able to join the Flow network and access cross-border payments, pull payments, structured invoicing, and compliance controls via notabene.id/join-flow.
Stablecoin B2B volumes surge as firms seek faster rails
The expansion comes amid rapid growth in business-to-business stablecoin payments. Excluding speculative trading, this segment reached an estimated $226 billion in 2025, a 733 percent increase year-over-year, as enterprises adopted digital dollars for cross-border supplier payments and treasury operations.
Research from Juniper Research projects the total value of cross-border B2B stablecoin transactions will jump from $13.4 billion in 2026 to $5 trillion by 2035. The forecast cites cost savings and near real-time on-chain settlement as key drivers compared with traditional correspondent banking, which is often burdened by multi-day clearing times and higher fees.
Compliance pressure reshapes digital asset workflows
These developments are unfolding under a tightening global regulatory regime. Since December 30, 2024, the European Union’s Transfer of Funds Regulation has been fully in force, requiring complete originator and beneficiary information to accompany all digital asset transfers between service providers, with no minimum-value threshold.
For firms managing digital asset flows, this is forcing procedural changes in the coming weeks and months. Transactions increasingly need to undergo pre-authorization and compliance checks before assets move on-chain, pushing regulated entities to route payments through networks that validate counterparties and documentation up front.
As a result, ad-hoc transfers to unverified wallet addresses are becoming more difficult, and market participants are shifting toward more structured invoicing and payment processes.
From wallet addresses to structured, auditable payments
Under this new model, receiving payments often involves responding to secure links and authorizing payments from established institutional accounts, rather than sharing raw wallet addresses. Notabene Flow’s support for pull payments and recurring billing allows businesses to request funds in a way that fits traditional commercial workflows while meeting regulatory standards.
The Transaction Authorization Protocol underpins this architecture, creating an auditable message layer that confirms counterparty details and compliance conditions are satisfied before any transaction is finalized on-chain.
Market participants see these changes as evidence of the maturing infrastructure around digital assets, with a growing emphasis on verifiable, compliant payment utility rather than purely speculative transfers.
Explore how regulated institutions leverage stablecoins with Toobit’s insights on global stablecoin evolution and adoption trends.
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