Group 1: Core Insights on Stablecoins - Stablecoins have become a major focus in the fintech sector, with Circle's stock price soaring over 350% since its launch in June 2025, and major financial institutions like Mastercard and JPMorgan exploring stablecoin payment solutions [1][2] - The B2B cross-border payment sector is expected to see significant adoption of stablecoins, with XTransfer planning to launch overseas stablecoin payment services in 2025, highlighting the potential for stablecoins to become standard in B2B transactions [1][2][3] - The application of stablecoins in B2B cross-border trade is rapidly increasing, with a reported 400% year-on-year growth in their usage from February 2024 to February 2025 [3] Group 2: Challenges in B2B Cross-Border Payments - B2B cross-border trade faces challenges such as slow settlement speeds and high transaction costs, with traditional SWIFT systems averaging 3-5 days for fund transfers and fees ranging from 1% to over 5% [2] - Many small and medium enterprises (SMEs) struggle to access the SWIFT system, facing difficulties in opening bank accounts and potential risks of fund freezes due to compliance issues [2] Group 3: Risk Management in Stablecoin Payments - Compliance and risk management, particularly anti-money laundering (AML) measures, are critical for stablecoin payments, with regulations in the US and Hong Kong emphasizing the need for adherence to AML frameworks [5][9] - XTransfer has developed a robust risk management system that combines AI technology and expert oversight to address the unique challenges faced by SMEs in B2B cross-border payments [6][7][8] Group 4: XTransfer's Competitive Advantages - XTransfer has established itself as a leader in B2B cross-border payments, processing 3% of China's export transactions and leveraging its deep understanding of the B2B landscape to respond quickly to customer needs [10][12] - The company has introduced innovative services such as local currency accounts and X2X payments, enabling faster and more efficient transactions for its clients [12][13] - XTransfer's commitment to developing a standardized global risk management framework positions it as a key player in the B2B cross-border payment industry [14] Group 5: Future Outlook for B2B Cross-Border Payments - The global trade volume is projected to reach $33 trillion by 2024, indicating significant growth potential for B2B cross-border payment solutions [10] - XTransfer anticipates a tenfold increase in transaction volume over the next five years, driven by the increasing digitization of trade and the growing adoption of stablecoins [17][18]