The SEC stablecoin compliance framework is set to be officially implemented in 2026, which presents challenges to traditional cross-border fund flows but also creates new opportunities.

First, let's look at the rigid regulatory requirements. The new framework clearly defines four core clauses: funds must be held in real-time custody by qualified third-party custodians; on-chain transaction data must meet institutional-level audit transparency; cross-border transfers must obtain the payment license of the recipient country; KYC and anti-money laundering processes must cover the entire transaction chain.

These requirements pose real tests to existing solutions. Traditional banking systems take three business days from settlement to receipt, most platforms only support a single asset type, and overseas account opening processes are complex and costly. Clearly, the old methods are no longer viable.

Technological innovation is filling this gap. Some cutting-edge industry architecture designs have inspired us—for example, adopting a dual-country licensing system to ensure global compliance; building T+0 settlement engines that allow stocks to be sold and immediately bought with tokens, eliminating the traditional 3-day waiting period; securing funds through professional custodians and multi-signature technology for double-layer protection; and integrating multiple international settlement channels such as SEPA, SWIFT, and ACH.

These innovations are like opening a dedicated express lane on a congested cross-border payment network—meeting strict regulatory requirements while ensuring fast fund circulation. Looking back after three years, such compatible solutions will become standard infrastructure for cross-border finance.