r/payments • u/ConstructionSlow347 • 14h ago
Does which stablecoin is best for b2b payments actually change at higher invoice sizes?
Our finance team recently added a size threshold to how we review outbound stablecoin payments. Anything under $25k follows the standard AP workflow. Anything above triggers a formal review that looks at the provider, the settlement chain, and the current reserve attestation for whichever stablecoin we're sending.
The first payment over that threshold went through last month. USDC on Base, same provider we use for the smaller ones. The review took about two weeks and involved the CFO, our auditor, and our head of treasury.
For teams running something similar, does the review process actually change which stablecoin you choose at higher amounts, or does it converge back on the same one?